[eatsyourtacos]

Give me a break. Most people don't have any real benefits. Healthcare costs are insane. Daycare costs are insane. Rent is insane. Car costs are insane. Insurance is insane. Grocery costs are insane. Higher education costs are insane.

You sound like you are single no kids and on here with a cushy tech job and be like "those poor people just don't know how to manage their money!"

[slibhb]

Purchasing power is up modestly over the past 25 years. This idea that everyone is struggling/poor just isn't true (though some people certainly are).

[panick21_]

Grocery costs are not actually that insane. Plenty of people have demonstrated that you can live a healthy diet for a 300$ a month, with some people doing it for much less.

Car costs don't have to be insane. If you are smart about buying a small second hand car. Its just a reality that almost all american insanely overspend on their cars. And even reasonably poor people refuse to use buses or public transport even in places where it is possible.

> Healthcare costs are insane. Daycare costs are insane.

A huge number of people who are both healthy and don't have kids, or don't use daycare also live paycheck to paycheck.

> "those poor people just don't know how to manage their money!"

Its simply a well document fact that people insane overspend on consumtion. There is a reason the term 'house poor' exists. US culture tells everybody you need buy a house or you are failure, and that traps a lot of people. Same for cars, the overspend on cars is insane, the amount of 'poor' people that drive F-150 is off the charts, when you could get a second hand Honda Civic for 1/3 cost.

There are 1 million+ large F-150 like trucks sold in a year in the US. And we know for a fact that many of those are sold to people who will end up having payments mich higher then the recommended monthly acccount. And we know for a fact, that most people don't need these trucks.

We also know that people who have a pattern living paycheck to paycheck very often continue to do so, even as their income increases. Partly because they life-style inflated helped by the fact that as your income grows, your ability to add debt increases as well and many people see this as an oppertunity, rather then a trap.

Changing those things doesn't turn you from poor to rich, but it would mean that instead of living on the edge paycheck to paycheck with constant use of credit cards, instead you could have no credit card, an emergency fund and a savings rate of a modest 5%. There are plenty of people you can find who do this, who are worse off in terms of income then people who live paycheck to paycheck.

Its a fair argument to make that the US make this to hard, specially for people with kids or people who are sick, but those don't account for 30%+ of the population. But to ignore all individual choice is equally silly and infantilizing. People prefering F-150 over retirment savings is just a fact of life, and its not elitist to point it out.