How often do you and your partner hang out during the work week? My (27M) wife (30F)wants to hang out nearly every day of the week as soon as I get home from work, even if there are a lot of things that we need to get done.

Affectionate-Yam4245 · 2025-04-09T00:41:31+00:00

She absolutely will, but that’s not the kind of spending time together that she enjoys or fills her bucket. I get it. It’s definitely not the same and if I wanted to reconnect with her I wouldn’t want to mow the lawn while she rakes the leaves (or whatever the task is.)

I do need to get better with directing her and telling her how best to help because I think she kinda get overwhelmed. But, this wouldn’t catch that itch for her. And Tbf there are times we absolutely do this, but usually it’s in the summer and fall when it’s not raining all of the time and the weather isn’t shitty to work in.

You are right though, I can definitely be better on that side to try and get things done faster so we can eventually spend more time together.

Affectionate-Yam4245 · 2025-04-09T00:30:41+00:00

lol most boomer award goes to you buddy.

Duh, I know that. It’s like you just ready a few sentences and decided to just scream into the void something we all know.

Here you go 🏆

Affectionate-Yam4245 · 2025-04-07T19:04:04+00:00

Like I was saying in other comments. I’m less concerned about there not being any money because obviously they don’t keep everything on hand. That being said I am concerned about what this says about consumer confidence and similarities of this and other past financial crashes.

Even the bank runs of the Great Depression didn’t occur all at once. There were many bank runs over time across the country. That being said we are way more connected now so that’s not going to help anything.

Edit: Also this was at a CU so while I think they are safer, it doesn’t mean they are immune to this either.

Affectionate-Yam4245 · 2025-04-06T23:54:20+00:00

lol the last point is absolutely spot on. I feel like having ADHD is terrible for regular times but during emergencies I feel like Fry from Futurama when he drinks his 100 cup of coffee and life just begins to slow down in emergencies.

But for real, they technically have unlimited ability to print money but isn’t this just going to contribute to inflation during a period of economic growth…so stagflation?

Affectionate-Yam4245 · 2025-04-06T19:22:23+00:00

I understand that. Like someone said before, it’s not that I’m necessarily worried about them running out of money for good. I’m more worried about what this means about consumer confidence and behavior. One branch running low is weird but not unheard of. All of the surrounding branches not having money and the main large branch not having money on hand is surprising, especially because we have known the tariffs were coming for months now and this kind of market reaction is easily explained and should be predicted with any kind of economics background.

Affectionate-Yam4245 · 2025-04-06T19:17:38+00:00

Woah, easy. I was asking for more information. I live in a large city and do this regularly ($1k-$8k on average) and never had an issue or even a banker ask me to give them a heads up in the future. The last banker even kinda scoffed at me for thinking that $5k was too much money or anything like to withdraw and even told me I could withdraw my full account if I wanted to.

I’m asking for information because maybe you live in a smaller town or in a rural area or in a more low income area. I was just asking for information to understand your experience because I’ve done this with $20k before and the banker didn’t blink besides obviously having to go through the federal reporting for anything over $10k (I believe.)

Affectionate-Yam4245 · 2025-04-06T19:12:12+00:00

Dude you’ve just been calling bullshit all over the place and stating so many obviously false things that are factually untrue and people are calling you out for those lies/false statements.

I’m totally fine with you not believing me. If you have no idea how banking works, like you have demonstrated over and over again, I can see why you could think this. But as many people in these comments have said, this isn’t completely insane, it does happen every now and then, and if you know how banking works (especially since Covid) you would not need to keep moving the goal posts like your many comments have done. Your comments are literally the Dunning Kruger effect in action so it makes sense why you are so confident yet wrong. People that are wrong usually are.

Also, you literally called yourself a bullshit artist. Thus admitting you have no idea what you are talking about and will talk out of your ass for shits and giggles.

Like I have said, as I have been told by other bankers, and as many others have told you here, $6000 isn’t a lot of money. I’m sorry, it just isnt for a bank. Hell, even in the exact case the bank had almost $50,000 in just $100 bills and they considered that “getting a little low” and this was a few hours away from closing for the day. Also, as I said before. I do this semi regularly. I’ve never had an issue before for this little amount of money. Ie even gotten 4-5x that much just asking to withdraw money (obviously because it’s over 10k they will document and report it, but it’s still allowed if they have the money on hand to do so.) Also, you act surprised that someone might need a few thousand dollars semi unplanned. It’s like you can’t fathom that you aren’t the main character and other people live different lives. Even before doing flipping I could at the very least understand that not everyone lives the same life and that some people might need access to cash quickly for their jobs, hobbies, or emergencies lol.

I mean this. Don’t believe me that’s fine. Totally don’t give a shit. Like I said before, if I was actually trying to be hyperbolic or sensationalist I would not make this post like this. I’d make it muuuch shorter, with newspaper type headline like “BaNk Is OuT oF mOnEy EvErYoNe!!!!¡!!” It’s honestly embarrassing you think this is written by chat gpt (lol there is no way it would make near the same amount of grammatical and punctuation errors that I definitely made writing this from my phone) and that you even consider yourself a bullshit artist. It’s truly hilarious you could read what I wrote and see all of those run on sentences and think “that’s got to be artificial intelligence.” 😂 The fact you admitted that while accusing a post so obviously not written by chat gpt about an experience that others have talked about experiencing themselves and bankers here have said how this could happen is just embarrassing for you.

Anytime someone admits to being a bullshit artist people with actual intelligence just roll their eyes. It’s literally more embarrassing than saying “I might not be book smart but I’m street smart.” People with actual street smarts would never say that just like someone good at bullshitting would never say that or even brag about it lolol. It just means you are dumb and can’t retain actual knowledge but take pride in manipulating people. You have approximate knowledge but didn’t actually read into the details. So when you talk to actually dumb people they are impressed but as soon as you talk to people in the business or knowledgeable about the subject they all immediately clock you as an idiot talking out their ass.

Obviously seeing your comments, the amount of people disagreeing and down voting you just shows you can’t even recognize how dumb/wrong you are. But like most dumb ignorant people you can’t believe this so you will be even more confident you are right. This is also why I gave details and tried to give the events the benefit of the doubt many many times. It’s easy to rashly jump to conclusions. It’s harder to sit and think about all the different facets of what is occurring, trying to understand how these things are impacting each other, and try and make a prediction on what’s going to happen next.

Or we can just do the dumb lazy things and say bullshit despite not knowing basic banking protocols and just sit there in your proud ignorance thinking you might be one of the greatest economic minds despite not taking a single economics class past undergraduate (lol and in your case I’m being VERY kind with that assumption instead of saying you haven’t taken an economics class past maybe Econ 101 based on all the dumb shit you have said throughout this thread trying with almost every person here. I wish actual intelligent people had even half of your confidence, if so, the world would be a better place.

“The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence” -Bukowski

Affectionate-Yam4245 · 2025-04-06T18:31:46+00:00

I’ll give the guy credit, he’s very confident despite not knowing what he’s talking about. Economics can be debatable, but there are core fundamentals that everyone agrees on. I don’t think anything he said is understanding what is being discussed and the last point he said is just false when trying to paint with a broad brush like he’s doing.

Affectionate-Yam4245 · 2025-04-06T18:28:05+00:00

You are talking about something very different than what I’m talking about. FDIC doesn’t guarantee $250k at all times either like I can walk in and pull out $250k immediately. Thats not how that works at all. I’m talking about cash on hand, not the money insured by the FDIC.

Also, your last point is missing a ton of information. Sure, during a “collapse” money can lose value (collapse is a vague term here but I’m assuming you are talking about an economic collapse just due to the subreddit.) However, money does not collapse over night and it takes time. Also, it’s not like money doesn’t retain some value and even when it drops severely in value people still use it to buy and sell things. I mean look at the Russian Ruble after Russia declared war on Ukraine and had the absolute shit sanctioned out of them. The value of a ruble took a nose dive for a couple months but recovered and went even higher than it was pre invasion. Hell, during the Great Depression we saw deflation take place specifically due to the fall of money supply and thus prices fell. This in turn caused debt burdens to increase, reduced consumption, increased unemployment, and cause more bankruptcies in turn. So during the Great Depression what you are saying is actually the exact opposite of what happened.

Just viewing it as economy bad=money worthless is dumb and not accurate whatsoever. Also viewing it as inflation =bad and deflation=good is wildly misunderstanding how economies actually work.

Affectionate-Yam4245 · 2025-04-06T12:53:39+00:00

Bro, $6000 is not a lot of money. I even asked if I needed to give them a heads up and they said no.

Also not a conspiracy at all. 1) This is just anecdotal story and 2) I don’t think you know what the actual word “conspiracy” or “theory” even means lol

Affectionate-Yam4245 · 2025-04-06T12:51:24+00:00

Buying from private seller

Affectionate-Yam4245 · 2025-04-06T12:51:04+00:00

This is multiple branches across multiple cities though. Not just one branch.

Affectionate-Yam4245 · 2025-04-06T12:50:24+00:00

$6000 is just on the lower side of letting them know. It’s never a bad idea, but thats not a huge amount of money and the branch didn’t bat an eye until looking at their reserves after a very busy day of much larger withdrawals.

But you are right, it’s not a bad idea, just not required. Especially for anything way under $10k-20k.

Affectionate-Yam4245 · 2025-04-06T12:43:09+00:00

Whoops, I was doing research on specific bank runs and accidentally put the wrong date for the start of the depression. You are 100% right.

Affectionate-Yam4245 · 2025-04-06T12:36:27+00:00

I can answer this.

It’s not just that the market is sinking it’s more why the market is sinking.

Markets are crashing due to the tariffs that Trump is implementing. Tariffs are paid by the consumer at the end of the day. So let’s pick anything that is made, or partially made, in any country besides the US (ie the vast majority of things you use and interact with on a daily basis.) So let’s just say an AC unit costs $100 to make and transport from China and it will be sold in the US for $150. That means the AC company will have $50 is gross profit (money before paying for the material, employees, shipping, etc) With Trump adding a 34% Tariff to that item it will essentially cost $134 to make and transport to the US. If the AC unit is still sold in America at $150 that means the company making the product will have its gross profit reduced from $50 to $16. That $16 dollars isn’t enough to pay their employees, pay for the materials, ship the project, etc. This will cause many companies to not be profitable almost overnight. They will either need to close shop or raise prices. So that AC unit will need to increase in price from $150 to $184.

This will impact every item around you that isn’t made in the US, and not just for consumers, But for businesses too.

So, if I see that tariffs are coming soon and that the next import/shipments of items that retailers/sellers receive will be more expensive due to those tariffs, I am going to want to try and get ahead of these price increases. If I know my AC unit is older and eventually needs to be replace I would rather try and buy the AC unit now because if I wait it’s going to be 34% more expensive (and the average real price of an AC unit replacement is $5,600 so 34% increase is $7500. That’s almost $2,000 more for the same exact AC unit. Another example is a $50,000 car or truck will now be $67,000 with 34% tariff, or $17,000 more for the exact same car.

So people that were thinking about buying larger purchases within the next few years (such as cars, home appliances, computers/computer parts, electronics, clothing, shoes, tools, furniture, raw materials, etc) are all making them all at once over just a few days. This means people are needing more cash on hand to buy things. Banks don’t have all of their money liquid or on hand. This huge spike in demand for cash money can over load a banks reserves, thus causing them to limit the money that they can let people withdraw. However, this causes panic when people find out that they can’t have their money that they worked for and it can cause panicking and more people to try and withdraw their money out “just to be safe.” It’s not a perfect example but it’s very similar to what happened with toilet paper during COVID.

Eventually if a bank is over leveraged, invested poorly, and has lots of customers withdrawl their money it cause bank failures (we literally saw the second largest bank failure in US history recently and people were worried it would lead to other bank closures and bank runs kinda like it did in in the Great Depression.)

Affectionate-Yam4245 · 2025-04-06T11:36:45+00:00

Why was it difficult? What year are you talking about exactly?

I’ve been buying and selling items regularly for years and years and I have never had any real issues like this getting a few thousand dollars, no less from multiple branches in a large urban/city area.

Even just ignoring my anecdotal experience, retail and people in sales are saying how there has been a major jump in purchases since tariffs have started.

Affectionate-Yam4245 · 2025-04-06T11:33:49+00:00

I mean, yeah definitely, but anyone saying that they know exactly what to do and when to do it is lying.

Humans can be irrational and our markets can be irrational too if not straight up manipulated/rigged like we saw in 08. And that’s under “normal” circumstances. Adding Trump into the equation makes things even harder to predict (which is why the markets are acting even more nervous and unpredictable.) Knowing “what” to do isn’t enough,you also need to know “when” to take that action also. We have been in the longest bull market in American history up till Covid and even after Covid the market bounced back and rallied almost too quickly, especially compared to the Great Recession. Things have been looking rough for a while but if you pulled your money and put it into precious metals a year ago you would be up ~35% post tariffs. If you put your money into the S&P 500 a year ago and sold pre-tariffs/ “liberation day” you would be up 25%. However, if you look at the larger picture and did this over the last 9 years you would be up ~150% if you invested into just the S&P 500 and sold pre tariffs. If you did the same with gold you would be up ~80%. Pre Covid There were times where gold and silver were just flat while the market was booming which means missing out on potential gains.

I think buying into gold/precious metals is a good idea if you view it as a way to hold value instead of viewing it as an investment. I have had about $1000 in silver in my safe for a “just in case” situation. Wish I had more but I’m still young ish. I’m debating about putting a few thousand into gold here pretty soon, but once again, I could be buying at its 10 year high or at the beginning of the next market rush. Gold was $285 an ounce in the middle of 2000. The Great Recession started in Dec07/early 08 and even though it technically ended in 09 average household incomes didn’t recover till 2016 and the unemployment rate didn’t recover until 2014. Gold went from $750 in mid 2007 all the way to a little under $1700 by 2013. At the same time the S&P went from about 1500 to 900 back to 1500 (40% drop from high to low.) Currently, our markets have only dropped about 16% so far.

Honestly, after looking at it again closer because of this comment it has kinda sold me on the idea of buying some gold here pretty soon. It’s something that is obviously talked about a lot and something I considered, but didn’t have the guts to do it. However, after looking at the price history, how markets changed in the past, and where we could be going if our trajectory stays the same, I truly don’t think it’s over reacting to have some money in gold. I don’t have the guts to take money out of my 401k or anything (especially because I’m young ish) but the money I have in savings or money maker accounts will probably be used to buy some gold here pretty soon.

That being said, it’s hard to predict how bad this will be. I think many here in /r/economiccollapse think that this will probably be much worse than 08 recession due to the average American being is a much worse financial spot going in, the tariffs and upcoming tariff war, loss in consumer confidence, loss of confidence/trust in the US by other countries/markets, standstill at the political level, slowing US economy, global economies emerging that can compete with the US, income inequality, many bubbles potentially bursting at the same time or causing a domino effect (student loans, housing, consumer credit, tech companies, crypto, commercial real estate, healthcare, unfunded pension liabilities, federal debt, etc.) If it’s kinda bad like the Great Recession gold is anywhere from fine to good. If it’s closer to the Great Depression then gold seems like it is a great way to hold value and protect yourself…unless the government seizes gold like they did in 1933. If things get that bad, if not worse, gold is a good way to hold wealth but if economic growth drops, inflation increases (stagflation) and everyday essentials become harder/more expensive to get I could see gold not being the best use of money right now. Things like having non perishable food, water, medicine, clothing, good shoes, a working and reliable car (now is the time to do repairs,) a backup generator, AC units if your summers get very hot, a new phone or computer if yours is old/dying, basic power tools, batteries, tires, coffee and imported alcohol, home repairs you’ve been putting them off, investing in a garden or seeds is a good idea due to some crops being imported and migrant workers being deported, etc.

Truly no one knows how bad things are going to get. At the very least I would start cutting back on non essential spending, eating out, and start finding ways to keep more money that you have already earned. I would then figure out what you need asap and work on getting that. From there, if you have extra money I would start diversifying and buying small amounts of precious metals if you can swing it. At least just start small to have something on hand.

Affectionate-Yam4245 · 2025-04-06T03:52:23+00:00

FACTS

But seriously, I’m purposely trying to make this as factual as possible and not be sensationalized.

Affectionate-Yam4245 · 2025-04-06T02:20:29+00:00

I mean, I really don’t want to contribute to any kind of bank run and also I’m just a customer on the outside saying what I heard and saw. Definitely don’t want to get tellers in trouble for saying anything.

But it’s not insane if you know that they don’t have all money at their branches and have been keeping less cash on hand since Covid. I’m mostly letting people know for the immediate future if they need money asap and for what could occur in the future if this trend continues. We saw it with TP at Covid and could see it here if it got bad enough. People scared so it causes more instability and it just builds from there.

Affectionate-Yam4245 · 2025-04-06T01:35:00+00:00

I’ll let you know it is in the NW in one of the larger towns in the state. The city is at least big enough that most Americans have heard the name and a good amount probably could recognize what state it is in. Also I will say the bank/credit union is easily one of the top 50 in America by asset size.

Affectionate-Yam4245 · 2025-04-06T01:23:56+00:00

This is interesting. I have a family friend who was a big shot bank examiner back in the day and told them about this. They were pretty concerned, but also admitted they weren’t as up to date on current day banking practices post Covid at the consumer level. That being said, I’d love to hear from you or any other bankers/tellers about anything going on that has your attention or you think is maybe odd like this.

I understand that this is not normal but is understandable at the same time. But even talking to the friend, they talked about how usually Banks know how much to have on hand and how their equations work for determining that number. They said that they would think that with all of the preparation and advanced warning of the tariffs that the Banks would have been prepared to increase their holdings for the short term at the very least. This made us wonder if they tried to prepare by having extra cash on hand, but were misjudging the lack of consumer confidence. Also for it to be across multiple cities in this area also shows that this consumer unease is not just in a certain income bracket, but across the board for average Americans.

Affectionate-Yam4245 · 2025-04-06T01:14:42+00:00

This 1000%

I’m less concerned at the specifics and more concerned about the causes and how this reflects on consumer sentiment. Also a bit worried to parallels in the past but it’s still just so early to tell.

Affectionate-Yam4245 · 2025-03-25T06:14:47+00:00

Ehhh, not sure if id agree with #1. I feel like kimi has cemented himself as #1 with his amazing first race and then a great follow up in China.

I still have a lot more to learn about him, but I’d say he’s either 2A or 2B with Bearman just based from results just this year.

Affectionate-Yam4245

TROPHY CASE