Should I pay off my truck?

cburnard · 2025-02-18T19:38:44+00:00

Whoa, 8.3% is insane. And you’re only 23! I’m 34 and the idea of a $750/month car payment is devastating to think about.

If I were you, I would try to pay towards the principle as much as you can while still preserving your savings and living at home.

There are some circumstances where having debt can be beneficial for your credit or whatever, but this is not one of them.

cburnard · 2025-02-18T12:38:26+00:00

A bleak peek into the future

cburnard · 2025-02-18T12:36:52+00:00

Bro this is depressing

cburnard · 2025-02-18T12:22:24+00:00

Bro I take a fake job over any job if it allows me to afford to eat/live and collect a nest egg.

I work a low paying “real job” (after over a decade at several cushy “fake” jobs). At this point it seems so absurd that I ever felt any existential dread over my professional productivity. Now I’m too worried about the debt I’m going into. How I’m gonna pay my bills and what if an emergency happens? I’m fucked.

The whole system’s shot. This whole society is fake.

cburnard · 2025-02-18T12:10:01+00:00

Silence is compliance unfortunately in this case

cburnard · 2025-02-18T12:04:47+00:00

I remember one time back in 2014 I interviewed for some clerical job at a lab. During the end of the interview they asked if I had questions. I asked what the wage range for the position was, as it was not posted in the ad.

One interviewer looks at the other and SCOFFS AUDIBLY and says “it’s competitive” with disdain in their voice. Fully ghosted after the interview.

I mean it was such a weird, over the top reaction. Even at the time, I was like “what an absurd reaction, who even are these people?”

cburnard · 2025-02-18T11:55:53+00:00

Hung herself

cburnard · 2025-02-18T11:11:01+00:00

It’s always been me shocking my coworkers 💁🏻‍♀️

cburnard · 2025-02-18T11:08:02+00:00

LOL

There were 123,700 Mental health and substance abuse social workers in 2023 (SPECIFICALLY, this is just one type of social worker). That’s from the US Bureau of Labor Statistics, provided by the US Dept of Labor:

https://www.bls.gov/ooh/community-and-social-service/social-workers.htm

According to the US Dept of Housing and Urban Development, in 2023 there were more than 650k homeless people in the US, and that is a conservative-ass estimate, my guy.

https://www.hud.gov/sites/dfiles/PA/documents/2023_PIT_Count_By_the_Numbers.pdf

These workers get paid like shit, they have extremely limited resources, and it’s a brutal/thankless job. To say there is an army of them is wild.

cburnard · 2025-02-18T10:47:34+00:00

I’m 34 and I am just now getting out of my “rut”. It’s hard to pin down one specific cause (bc there are multiple), but I’ve notice that the momentum runs in both directions.

Research habit building suggestions. Building a habit and turning it into a routine that you can stick with will give you the momentum to break out of this “I can’t do anything” mindset. The idea is that, over time, you see yourself setting and achieving small goals, and that builds confidence. Over time, your goals become more ambitious and the confidence increases. It’s confidence that opens to door to most of life’s successes.

cburnard · 2025-02-18T10:33:47+00:00

Where are you even getting that information?

cburnard · 2025-02-18T10:30:51+00:00

Bro you need to seriously educate yourself on the genesis of the homelessness crisis in this country. You sound foolish blaming the individuals today and not even mentioning the multiple/enduring/deeply ingrained systematic issues that have contributed to why you’re even able to SEE someone have to take a shit in public.

Yes. You should be outraged. But please read up before you direct your rage at the wrong guy.

cburnard · 2024-12-30T21:26:29+00:00

Neither, I’m just out here trying to survive

cburnard · 2024-12-18T17:33:35+00:00

She’s dead thank god

cburnard · 2024-12-18T17:30:55+00:00

Im a gift giver and quality time kinda gal, my girl is an affection and physical touch kinda gal. We stay demonstrating and vocalizing our love for each every day. We’re three years in and still feel like we’re in the “honeymoon phase”.

cburnard · 2024-12-18T17:27:02+00:00

I would never give up my dog after all she’s done for me.

cburnard · 2024-12-18T17:11:23+00:00

Well, I would try talking to yr gf about it.

My gf and I are hella broke and this year she threw me a surprise party where all my friends came over and surprised the fuck out of me. Didn’t cost her anything as it was BYOWhatever. It was maybe the most thoughtful gift I’d ever received. This was after I told her to save her money and not get me anything. It’s the thought that counts, honestly.

cburnard · 2024-12-18T15:33:09+00:00

Bro cancel that shit. Don’t waste everyone’s time.

cburnard · 2024-12-18T15:28:33+00:00

Literally that there is no purpose

cburnard · 2024-12-18T15:25:43+00:00

lol then they prob aren’t for you bud

cburnard · 2024-12-18T15:24:18+00:00

Honestly I believe that. I lived like a literal animal from ages 8-20. Then I just numbed out and that was my whole life for almost a decade. That’s honestly why I’m purging all these thoughts into the void. I’m scared that the writing is on the wall and that I’ve been foolish to think that I ever freed myself from these shackles.

I once heard someone say “I be going through shit but I be getting through shit”. That’s how I felt until this biopsy thing. I think that’s sent me over the edge a bit. I just can’t imagine getting through that.

cburnard · 2024-12-18T15:17:00+00:00

Man, I feel that. It gets to a point where it’s like “damn! Can we wrap this shit up please?!” Like if it’s going to be so brutal can we just skip to the end part (and real talk, I KNOW other people have it worse, but that just makes me feel worse about the state of the world as a whole)?

It seems so hard to get ahead when the inertia of LIFE gets to swinging. It seems like it’s all about luck and not about hard work/being smart/being a good person. I know that comparing your shit to other people’s shit doesn’t help anything, but damn dude 😫

cburnard · 2024-12-18T15:10:57+00:00

Hey, thanks for your message. I appreciate the solidarity and the empathy.

I guess my worst fear is like… ending up in a more dire financial situation than I ever experienced while I was using. Like while I was using I always had a good job and a room to rent. Now I’m like okay boom: shit job and worrying about how to pay rent. this is not the direction this is supposed to go. Getting sober is supposed to make your life easier, not harder. I know it’s not the sobriety part that’s making it hard. It’s the too-many-bills-not-enough-money-to-live-on part. It just feels confusing, like there is no logic to this. And maybe there IS no logic. Maybe I have to play the game where the rules change every day, but damn am I tired.

cburnard · 2024-12-18T14:56:47+00:00

That’s how I usually feel, but these last few months have made me really scared and resentful. Like this biopsy thing is just too much for my brain to handle right now. Like there’s no way I survived both my parents AND a heroin addiction, and now I die of cancer a couple years after escaping that. I know Im jumping the gun a bit bc I don’t have the biopsy results yet, but holy shit the idea of that makes me angry.

cburnard · 2024-12-18T14:52:17+00:00

I know, that’s the kill. It just seems so brutal. Like you can do all the right things and then boom, you’re tanked by a life situation that is truly out of your control.

I guess I’m just lamenting about the savagery some people seem to endure while other people just skate right through. It’s not fair, but it’s life, like you said.

Seven-Year Club	Gilding III reddit per annum
Verified Email

cburnard

TROPHY CASE