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 was thinking about this today as I heard about Instacart going public. I've never used Instacart because I refuse to pay the cost for the convenience of grocery delivery. I've paid for grocery delivery in other ways but instacart feels too much.
I've stopped paying for doordash, which I had never been big on, but the fees got too high

I have and will however pay for a cleaner to come clean my apartment every 3 weeks. I will also splurge on a car wash, as driving through an automatic wash with a fountain soda is a weird happy place for me.

What are your "absolutely will" spends and what are your "no way in hell" spends?

We are due for one anyway (11 years since the last one) yet I feel like the general sentiment is that the recent market drops are simply a temporary dip despite huge economic, political and geopolitical risks. What am I missing? Why isn't there more coverage about this? Am I looking in the wrong places?

you head to the gas station to catch a 6-pack and maybe a bag of chips or some rillos. you pass the cashier a twenty, and they mention your change will get you a couple lottery tickets. you're in a good mood and we all hate coins, so you just tell 'em you're down and to choose random numbers.

a week later, you wake up and see the winning lottery numbers on the news.

hopeful curiosity turns into a flooring disbelief as you pause the tv and check the numbers four times over.

you scramble to find and unlock your phone, heading straight to google.

"winning lottery numbers"

"how to tell if you won the lottery"

"lottery number checker"

everything checks out.

"how to claim lottery winnings"

you go to claim your prize, and you can choose between $130,000,000 in post-tax cash now, or $210,000,000 spread equally over the next 30 years.

which do you choose? what do you do with it?

The custom of tipping your server dates back to the mid-1800's. 150 years later, it seems that tipping is less customary, and has become entrenched in the service industry.

Some view tipping as a positive. People may feel compelled to give their server 'something extra' for extraordinary service, and tipping gives them that option. They might also say that a tip provides extra motivation for the server to do a better job. From the perspective of the server, they may even feel enticed to pursue employment where tips are readily available as it could supplement their income.

Opposers of tipping often feel that employers should offer a 'living wage' to their servers instead of relying on their clientele to 'make up the difference.' Sociological critics have also noticed that physically attractive servers might get larger tips, regardless of the quality of service they provide, thus negating the "motivation" argument. Again, from the perspective of a server, they might also not wish to pursue a job that forces them to rely on tips as their income may fluctuate from month-to-month, making it difficult to budget accordingly.

These are just some of the most common arguments for and against tipping. I'm curious as to what you all think!

I live in the US.

I used to play music every day. I used to skate almost every day. I used to surf TWO times a day. I used to write songs and poetry. I used to contemplate the cosmos and reality and come up with fun projects with friends. I used to garden. I used to spend more time with my pets.

Now I work.

I work and stress so hard that I wear myself out, drink too much to "help me sleep", still stay up stressing about my job - how I can improve my standing, and stress about needing to do side projects to supplement my income AND stress that I don't do any of the fun things I used to do.

This is all to be able to afford a living space and ensure that if a disaster (personal or natural) happens I won't be completely screwed.

Any friends that did have loans are still paying them off. I have been fortunate enough (and diligent enough) to pay off all my loans, but I had to ditch my hopes and dreams.

Will I ever be able to afford a decent house in a metropolitan area? No. Will I ever do the things that used to make be happy? I don't see how. Will I ever be truly happy? I have no idea.

Is anyone else in this situation? What are you doing to mitigate? Moving to a more affordable area (leaving friends and family)? Are you learning a new trade to up your financial standing? Are you as bummed out as I am that we have to work so hard just for a mediocre standard of living?

With the incredible pace of automation and AI taking place across all sectors of our Global Economy, countries/governments/citizens need to start seriously thinking about how we can continue to survive when there are simply not enough jobs to be had. UBI is one option that countries have attempted to "beta test" with varying results. What is ~'s[sic] opinion on UBI and automation and AI "taking our jerbs"?