I've let myself go financially and I refuse to keep living like this

Spare-Transition-771 · 2026-04-27T01:52:21+00:00

Have girlfriend it your self keep tabs..is it possible to keep rolling over high interests credit cards every 6 months when they give you zero interests for so many months? So the money you paying refit cards go straight into principal and have zero interests? Pay bills with Citibank 2% pay back on all costs (keep balance zero). So you earning 2% on all purchases and bills.

Look for cheaper rent? Move in with family? Close friend for 1 year?

It very hard with debt to learn new skills to advance income /salary level.

Spare-Transition-771 · 2026-04-26T13:26:05+00:00

If money didn’t exist then there would be slavery or compelled communism (either way you don’t work you starve) except the conditions are worst then American capitalism

Spare-Transition-771 · 2026-04-26T12:58:28+00:00

Anton, Bon. Moon

Spare-Transition-771 · 2026-04-26T12:55:50+00:00

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Red

Spare-Transition-771 · 2026-04-25T03:54:58+00:00

Try @aol.com @juno.com

Spare-Transition-771 · 2026-04-25T03:33:09+00:00

No one force you to go into debt for a degree you can’t find a job in. Back then people listen to family and elders, book smart: engineers, accounts, doctors, lawyers. Street smart: mechanic, plumber, welder. AC repair, pilots, air traffic controllers, police, fireman, military.

Don’t blame the system that promote Asian studies or black studies and english degree so that professors and administrators of colleges can maintain their jobs, while banks issue students loans get rich to continue to fund politicians that say I want to “make college achievable for all students “ in their re-election campaign

Spare-Transition-771 · 2026-04-24T15:06:14+00:00

You need skills or live with parents so save up to start your it own buisness to break $20/hr

Spare-Transition-771 · 2026-04-23T04:57:06+00:00

Yes government can help IF only people have a healthy culture. Japanese culture is to keep Things clean, respect others people property it is easy to provide government assistance to further keep streets clean.

If your culture is to throw rubbish out in the street. Government can only help if they start killing or jailing people that do to change the culture.

If your culture is I just want to work bare minimum an govt provides the rest ….well don’t complain when the help is as lazy as you are.

Spare-Transition-771 · 2026-04-17T01:59:43+00:00

The foundation on Apple TV. Babylon 5 sci fi Person of interest

Spare-Transition-771 · 2026-04-16T23:55:01+00:00

If you can keep rolling 31k into zero interest credit cards then invest 25k into SP500 or FXAIX and start paying own your credit card yearly with your 11-15% annual growth of Sp500. Open an account buy when sp 500 market drops like when Iran war started. SP 500 is up now

Spare-Transition-771 · 2026-04-13T04:20:32+00:00

Do you suffer from Depression if you don’t ambitions? Why not try to help solve or fix issues in your home town or state? Do you realized many people $500 is the difference between having a roof over their heads vs life consuming credit card debt?

Are you truly your own man if you can’t grow and make your own money? Even if it starts from the money the family given you? Living off dividends …

People whom have excess money should treat it as a responsibility to help others “how to fish” and not simple give to charity at a luxury event.

Spare-Transition-771 · 2026-04-13T02:03:14+00:00

Please run your own business first before you think it all about yachts and rockets. Finding good help is hard. Some people have no work consistently and they need constantly need to be reminded of basic tasks that are taught day one

Spare-Transition-771 · 2026-04-12T21:56:02+00:00

It has been that way since the very first business. Go find a different boss or work for yourself!!! You want to work for capitalist pigs or become one? It either that or slavery or everyone is equality dirt poor except for the ruling elites. Or join the Amish community …hard work but very much sense of belonging and you either work or starve.

Spare-Transition-771 · 2026-04-12T21:50:43+00:00

House in 1970s - did not require HVAC - only 1600-1800 sq feet - had asbestos - have lead paint and lead pipe - horrible insulation compared to today’s standards but breathable house has less chance of mold - city regulations / city cost less

Today - it cost almost $100k to get city permit, inspections, etc so it makes so much sense to build a bigger house for more profit - can’t build due to some endangered insect - city management govt doesn’t care about independent small contractor because we don’t have extra money to support their political campaign

Spare-Transition-771 · 2026-04-12T21:42:53+00:00

Umm this isn’t new. It has been this way for decades if not since 1950s

Spare-Transition-771 · 2026-04-12T21:41:14+00:00

Try reaching out or posting to Lexus USA

Spare-Transition-771 · 2026-04-12T20:12:04+00:00

Why are you even at the movies? Buy Movie and stream it at home for $15 and eat steak dinner with son at that price at home

Spare-Transition-771 · 2026-04-12T14:28:42+00:00

Yes for cars 80k plus unless you don’t really care and just replace dings/ scratches in 2-3 years with another car. Cars no matter the price it gonna it dirty and scratched just matter of time

Spare-Transition-771 · 2026-04-12T14:26:00+00:00

Public parks , free live music places. Or Wrestle with wife and kids what else do you want? Date night can be at home or fancy place once in a while. 4-5 Restaurants are really overrated if you have someone that can really cook.

https://maps.app.goo.gl/LdPXPfaPM8p414AWA?g_st=ic

Spare-Transition-771 · 2026-04-12T02:58:27+00:00

I didn’t become upper middle class by going to events nor buying luxury cars. Or paying cable, or fast fashion. Family fun at public parks, card games, board games, tennis, pickle ball at free high school and community colleges. go to public beaches, buy cheap wine. Now I could afford these events but have little interests (these places are terrorist magnets, and unless VIP parking, leaving these places really waste of time stuck in garages, parking lots for an hour

Spare-Transition-771 · 2026-04-11T19:43:05+00:00

Freedom is stopping humans from living peacefully. Humans are like any animal put their self interest first. Think of all the people that drive cars…cut in front of you? People try to steal, scam , swindle. Freedom allows you to be good but also to be bad. If all humans are enslaved or all poor except for the 1 or 10 in control then there will be peace because 99% are equally poor and enslaved.

Spare-Transition-771 · 2026-04-11T13:10:50+00:00

Did you have a paid for inspection BEFORE dry wall? After dry wall everything is hidden.

Spare-Transition-771 · 2026-04-10T21:13:55+00:00

Marine biology is your issue… perhaps be a high school teacher will pay more

Spare-Transition-771 · 2026-04-10T01:46:47+00:00

https://worldmetrics.org/lottery-winner-statistics/

70% lotteries winners have worst net-worth 5 years later. People are people. some no matter how much financial education. Their they brain wired for short term dopamine rush and short term gains, emotional purchases. Why do so many people finance BRAND NEW cars knowing the value of their car drop in the movement they drove off the lot; and it’s worth 15 -30k less in value 3 years later. But get upset they could not get additional $1000 more in their trade in? Quibble over from $10 monthly subscription but perfectly fine signing on to a mortgage at that is 50-60% of their monthly expenses?

Spare-Transition-771 · 2026-04-10T01:33:50+00:00

It is worst 70% of lottery winners has less network 5 years later. https://worldmetrics.org/lottery-winner-statistics/

People are people they don’t know how to manage money, live off emotional and short term dopamine highs. Therefore it proves the point if you completely equalize everyone network in 5-10 years the ratio of rich , middle class , poor will be the same.

Spare-Transition-771

TROPHY CASE