A simple solution, really

https://sopuli.xyz/post/28519367

This is stupid. Christ I hate this take. Buying shit isn’t what makes life worth living, and if you think it is, you need to rethink your priorities.

If the temporary little dopamine hit from a fancy coffee is the best part of your life, that’s fucking sad and you should change your life.

Y’all been bamboozled by advertising.

That’s the entire point! What the fuck is saving 600 dollars going to do for you? It’s sad that the shitty coffee is all we have left. Don’t you get it? No matter how much you struggle, you won’t escape. And when we find some little solace in life, we have people putting us down for it, wanting us to just…stop enjoying what little of life we have left, and just work like robots for the end goal of…what? Just dying of some disease we can’t afford to threat anyway?

Because then you have $600 in an emergency fund so you can use that to pay for an emergency rather than going into debt. It isn’t hard to understand that $600 is $600 more that you can use to make you life better, rather than frittering it away on coffee.

You’re literally trying to justify shooting yourself in the foot via self pity and learned helplessness. Just buy a mocha pot at the thrift store.

Whats $600 gonna do for a $10,000 out of pocket health insurance policy?

It will be $600 less to make in interest payments as you gradually pay the debt down.

More poignantly, however, it would be very useful for a $600 copay. And these are significantly more common.

Until next year you have another $10k added on because it happened on dec 31st.

I get what your saying, but if you’re only mustardly up $300 a year in savings, if you arent using it to find a way to earn more money, then just fucking spend it to make your existence a tiny be better. Because if your gonna be in debt and never able to get out, mind as well not even worry about it. They cant take what you dont have

They definitely can take what you don’t have. That’s what debt is.
No, debt is unpaid credit. If your in debt you, already didnt have it, thus why they lended the money/services.