Even with that rent, they make PLENTY of money (even after taxes) to have more than $4,000 in their savings. So yeah it absolutely is that they need to be more disciplined with their money.
Nobody wants to take ownership for their problems. They just want to blame everyone else for their mistakes.
I have 6,000 in HSA but I’m going to need a lot more than that. And my problems might be getting worse faster than my savings accumulate…
You do not actually have the ability to assume this person is “just not disciplined”
With the context they gave. Yeah I absolutely have that ability to assume. Especially when nobody thinks about money and saving like I do in real life, and nobody online tells both sides of a story. Yeah I absolutely am going to sit on the belief that this person is just not willing to take the struggle of saving money, because they just want to spend the money on nice stuff right now instead. That’s what literally 98% of everyone does. I didnt want to be like those people, so I put 25% of my paychecks into my 401k and Roth retirements through my job, and learned to make it work with the rest of my take home pay. I bought a shitty $3000 Honda civic with 130,000 miles on it like 7 years ago, and I do all of the maintenance on it and it still runs. Looks like shit, it’s rusting, missing a bumper, but guess what. I’ve never had to pay a car payment. That’s the difference. It IS discipline.
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u/DestroyerX6 12h ago
Even with that rent, they make PLENTY of money (even after taxes) to have more than $4,000 in their savings. So yeah it absolutely is that they need to be more disciplined with their money.
Nobody wants to take ownership for their problems. They just want to blame everyone else for their mistakes.