Hello. I usually talk about trains, except today, I just want to vent on my finances and my wishes for a less expensive world.

I have found myself in financial straits,as I had amassed debt last year, lost work for months and amassed more debt. It’s in the low tens of thousands. of course I also lost my healthcare because I live in a rich country run by morally destitute anti-intellectuals.

On paper, I will pay off the debt in 18-24 months, if god allows. I have work now.

This city’s transit system has been hobbled in bad faith and will be destroyed come January….Fares have already risen, service cut. My train to work will be cut because the state refuses to provide services for its most productive citizens. It is twice as long by bus, suicide by bicycle on roads built for tanks, so I will have to sacrifice time or life.

It seems the price of electricity has increased. I would generate my own, but it is impractical.

Sadly my possessions are breaking too. This is the way of things, it’s just miserable timing, and each discovery of a failing mechanism or dilapidated object piles onto the defeat. The window frame has rotted and the glass fallen -- the house is frozen. Not a single plant survives. (The landlord will fix it, but not hurriedly…..) Bulbs burnt out, rooms dark. My bicycle needs new brakes, a new chain, my helmet has been destroyed and should be replaced, but for now I have been riding without. The computer has broken after 14 years, admittedly about time…. An expensive thing to replace, so now I only have my phone, whose battery has degraded quite a lot and will not be usable for too much longer, and a small laptop on death’s door too. I had worn my single pair of walking shoes for 5 years until, yesterday, the sole fell off. (Thankfully, I have one more, but it is formal and uncomfortable) A new pair is more costly than I remember… I know a cheap one will disintegrate in a season and do nothing for the snow, and a quality one is beyond financial prudence. My jacket is worn and torn by years and embers, beyond my ability to sew, and I must darn and darn and darn all the socks and gloves with holes, which I hate to do, and i am not good at. The denim jeans are ripped, in a place difficult to patch, and the pockets torn. I cannot bear the cold the same anymore, so I also need an overcoat, which I cannot afford. The fitted sheets are inexplicably torn by some punitive act of god, probably irreparably. The pillows are compressed, worthless, and causing me pain. Even the tent, which I might use to regain some sanity in the woods, has had its elastic poles dried solid and is basically unusable. At least I have a few books.

My lifestyle is structurally cheap. Affordable city, relatively low rent, multiple housemates, no car, only occasional commute, no dog, no wife, no children. Not too much to pay for. I eat simply. I am content with it.

Yet somehow I find myself with hundreds of dollars of credit card purchases this month, more than an entire paycheck, and last was also more. Qualifying for a healthcare plan has reduced my medical costs, but the difference is withheld, and I’m realizing that often it costs more than it would cost out of pocket, so at best it makes no difference. The dental and vision are exorbitant, so I just hope I don’t get a cavity.

I suspect I need glasses, or will soon. I can tell my eyesight is beginning to worsen. But it’ll have to wait a couple years.

The fear of a worse medical emergency persists. The deductible is rather high for a plan that offers no HSA and the co-pay is unremarkable, the coverage limited. Perhaps the least useful healthcare plan I’ve ever had.

I do not gamble. I like to drink beer but have abstained recently. My hobbies are inspecting train and street infrastructure, studying the Holy Bible, moralizing on the internet and persuading the government to institute a better society. I lapse sometimes and make impulsive purchases, but not frequently. I have not even gone to see a game in two years.

It’s a great pain to review your statements and recognize that almost none of the purchases were wasteful, only a few technically unnecessary. There were just too many overall.

What upsets me most is the social distance I have gained from my condition of functional poverty. the agony of refusing visits, trips, games, concerts, shows, dinners, coffees, drinks grinds on me daily. Yes it is still nice to say hello, it is just not the same. The pity, or disgust, the symbolic offers of charity received. Mostly the confusion—the awkwardness, the unsolicited advice (which I don’t normally mind, but it gets old). I prefer to socialize with bourgeois progressives, academics and professionals who care about engineering and mathematics and government policy and theory. It’s what I care about. I do not really resent them, but everything they do costs more money than I possess, so it is difficult to see friends and I cannot hope to keep up with colleagues after work.

I don’t object to work but I resent the fact that I must pay for my own healthcare. I also resent that my government neglects my transportation and my safety. I resent the pollution of the air, the NIMBYism driving up rents and leaving the addicted even more hopeless. I acknowledge the mistakes I’ve made that have led me here. I can’t undo the past, but Congress could socialize all medicine in the next budget if it wanted to…. repeatedly chooses not to.

That’s all. I just wanted to complain. You can give me advice if you want. I’m relatively financially literate, just poor and human.

I'm a ball of rage over my pediatrician having to drop their contract with United due to some disagreement, as we really like our pediatrician. I kind of don't care if it's actually the office's fault at this point; I'd like to direct this anger over bullshit affecting the care my kids receive at them while I'm still motivated. It's probably not going to help, but what is the most effective way I can badger them, pester them, inundate their support lines, etc to get back?

Or, y'know, diplomatic means if it'd actually help?

Hello fellow Tilderinos. My 9 year old will likely have to use crutches for a few weeks and I'm looking for some tips on how to make her life less miserable.

Unfortunately this happened not only right before we're set to fly on holiday this Friday (and we may have to cancel), but in early March she was meant to go on a week long school field trip where they were going to go horse riding and do circus classes. She's understandably upset she's going to miss out. Even if we're still able to fly on holiday next week, she won't be able to participate in the vast majority of activities she usually enjoys.

As a very physically active and social child, I know this is going to be really hard on her. I'd love some tips on how to keep her spirits up and make it possible for her to participate in fun activities (also possibly limit screen time as well). Would welcome any tips you may have to make it a less miserable time for her!

Hi All, I've just been prescribed the generic version of Vyvanse and had a bit of sticker shock when I was rung up at my local pharmacy. Even with insurance it was nearly $300 for a months worth pills. I realize this is a problem likely unique to the United States, but I'm wondering how other folks are navigating the costs. While I can afford the medication, the idea of taking on a car sized monthly payment for the pills is really unpalatable. Do folks have any tricks or tips for getting the medication at a lower rate, switching to different medications (i.e. adderall or ritalin), or finding a secondary to cover prescriptions? I've read about Goodrx or SingleCare may be more affordable. Does anyone have experience with those providers?

As a side note, I oversee selection of our company health plan/insurance. While I'd rather not change for the sake of co-workers who have established their primary care physicians with our current offering, I have the ability to change it for 2026. If there folks have providers who cover more of the costs I'm open to hearing it.

Beyond the costs, does anyone have any advice or guidance for things to watch out for as I start taking the medication? Tomorrow is my first day and I'm a combination of excited and anxious.

Thanks!