• hiddengoat@kbin.social
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    1 year ago

    So you’ve never had an emergency or a need for a large one-time purchase. Good for you. You are not everyone. The sooner you learn and understand that people that aren’t you exist, the sooner you can graduate high school.

    • Ashyr@sh.itjust.works
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      1 year ago

      Are you arguing that the system is made up or that it’s unfair to the poor?

      I would agree with the latter, but you haven’t been terribly consistent in your argument. I’ve had troubles with my credit score in the past, which is part of why I understand how it works.

      I agree that credit scores unfairly disadvantage the poor, but that’s merely a reflection of deeper economic issues that should be dealt with. Abolishing the credit score won’t enable the poor to suddenly buy houses.

    • Earthwormjim91@lemmy.world
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      1 year ago

      Yes, I have indeed lol. I had a year where our hvac went out and our son second child’s birth bill which racked up thousands that we had to pay out of pocket. We had tens of thousands in unexpected bills that year.

      We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.

        • Earthwormjim91@lemmy.world
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          1 year ago

          Lmao dude I was born to white trash drug addicts and never lived in one place for more than 9 months because they could never afford rent and kept getting kicked out. I have lived on my own since I was 15

          Born on third base my ASS. I have worked my ass off since I was a teenager. I’ve lived in friends storm cellars, couches, and my truck at times to get where I’m at now.

          I made saving a priority since my first job working at fuckin Burger King in high school.

            • KombatWombat@lemmy.world
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              1 year ago

              Jesus dude yeah people have had it worse but it’s not a competition. You accused him of not earning his financial position and he explained how your attack on person is baseless. Having friends is a support system, it doesn’t mean you had it easy. If you were not raised by wolves, you’ve had people help you too.

            • Earthwormjim91@lemmy.world
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              1 year ago

              Whatever you say dude. I know I had help. Virtually everyone has help along the way. If you have literally nobody that will let you crash on your couch, maybe you should look deep inside why nobody likes you.

              Me living in my truck did take from my savings to pay bills. Half the reason I lived in my truck was not to be wasting money on renting some shitty apartment and draining my savings. I maintained a savings the whole time.

              Keep complaining instead of doing something about it. It’ll guarantee you stay poor.

                • Earthwormjim91@lemmy.world
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                  1 year ago

                  When I left the house? You mean when my parents drug habits caught up with them and we ended up homeless.

                  I didn’t live on anyone’s couch. I spent a day or two at most at a friends house at a time.

                  I had a few thousand saved up. And yes had a bank account where my pay was direct deposited or my parents would steal it.

                  You can wallow in your self pity and tell yourself that everything is luck or some bullshit to get out of helping yourself. That’s fine. I’m doing more than well now lol.