curiousaur
@curiousaur@reddthat.com
- Comment on Even households earning $150,000 a year are struggling with credit card and car payments 4 days ago:
I imagine a lot of people making that much did exactly what I did. Over-leverage but temporarily. House poor basically.
When COVID hit I was renting in the bay area with my girlfriend. During lockdown I proposed, and after deciding we want a family, decided to take our bay area salaries elsewhere to buy a house.
We traded our 3k rent for a 2k mortgage with 1k insurance and taxes. Even.
But, leaving the bay we needed cars. My one little two seater wasn’t going to do it, we’re starting a family. So we got two larger cars, right when the market was inflated. Financed both of them.
The new big property we got has a little barn, let’s renovate that into an ADU for guests and to generate rent. Didn’t have the cash on hand so took out another loan about the same as a car to fix that up.
Now we’re strapped, basically living month to month. But those secondary loans were all 5 year loans, so in 2 more years they’re paid off, freeing up about $3k per month.
I basically don’t think any of these articles about people making that kind of salary are taking into account how weird a time covid was. Lots of people made big changes while interes rates were low, purposely over-leveraging themselves. It also gave everyone this yolo attitude as well, like fuck it all, treat yourself.
I’d be more interested to revisit this in 2027 when any 5 or 6 year car loans and secondary loans taken out during the record low rates are all paid off.
- Comment on Even households earning $150,000 a year are struggling with credit card and car payments 4 days ago:
Same spot here. Took my permanent remote SE job to a depressed but beautiful coastal California town. A lot of folks seem to dislike me for some reason.
- Comment on Eurythmics straight-up kills that guy 4 days ago:
Better than accidentally serving the diabetic regular instead of diet.
- Comment on New Executive Order:AI must agree on the Administration views on Sex,Race, cant mention what they deem to be Critical Race Theory,Unconscious Bias,Intersectionality,Systemic Racism or "Transgenderism 1 week ago:
They already fear. What we’re seeing happen is the reaction to that fear.
- Comment on It's a ritual, to start the releases of games 1 week ago:
Mobius 1, engage.
- Comment on Misogyny is thriving in our schools. Why aren’t we doing more? 2 weeks ago:
Once the kid is like 10, the outside world has like 90% of the influence on them. If anything the teachers are at fault. Cell phones should not be allowed in schools, and harassment of any kind should be immediately punished.
- Comment on What is wrong with being "Black Pilled"? 3 weeks ago:
We don’t use that word anymore.
- Comment on The Steam controller was ahead of its time 3 weeks ago:
I have 2. I absolutely love it. I prefer it for playing 3rd person games like the witcher and monster hunter too. I like the granular control and momentum for panning around the world.
I bought the second one for $5 when valve was doing the discontinuation liquidation sale. Someone commented that the Vive wands use the same track pads and other parts, so it’s a no brainer to buy one to have the parts on hand. At this point the Vive wands are extra parts for keeping my steam controllers going.
- Comment on Fun!!!! :) 3 weeks ago:
Oh, now do a Mr. Bucket version!
- Comment on As China prepares to invade Taiwan, a reality check: sitting on the sidelines won’t help Australia 3 weeks ago:
- Comment on As China prepares to invade Taiwan, a reality check: sitting on the sidelines won’t help Australia 3 weeks ago:
China would rather have Australia and new Zealand than Taiwan. Who’s going to stop them?
- Comment on Survey: More Than 1 In 4 Americans Feel They Need To Make $150,000 Or More To Live Comfortably 5 weeks ago:
I mean yeah. I make above that and it feels genuinely hard to keep up with the costs of living middle class in California.
- Comment on "There can be.... 1 month ago:
Ye canno’ die McLeod.
- Comment on There’s Good Posture, Bad Posture, and Golden Posture 1 month ago:
At the Apple store?
- Comment on Home cooking 1 month ago:
How?
- Comment on [deleted] 1 month ago:
I dated a Muslim girl. In college. We were both 22 and she still had to keep it a secret. Her dad called her every night at 8pm to make sure she did her work and was getting ready for bed. I often had to overhear that right before we fucked.
Don’t be a baby about it. If you want to be with her, be in understanding and do what it takes.
- Comment on do you think freewill truly exists? 2 months ago:
Well do you?
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 months ago:
I think you’re underestimating how many racists there are on here now.
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 months ago:
They didn’t say urban. They said act and dress like a black guy. What do you think “acting and dressing like a black guy” means, exactly?
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 months ago:
You said doing so is the equivalent of a Chav which is defined by connotations of lower class.
Extremely problematic. Downright racist I’d say.
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 months ago:
That’s the dictionary definition of Chav:
a young person of a type characterized by coarse and brash behavior (with connotations of low social status).
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 months ago:
You think lower class behavior = acting black?
Extremely problematic take.
- Comment on The New York Times Just Published Some Bizarre Race Science About Asian Women 2 months ago:
I think that’s exactly where they were aiming with the small finger stuff. They want kids in factories again.
- Comment on There were probably some people who just really liked "Never gonna give you up" and really enjoyed getting rick rolled 2 months ago:
What a way to admit to the world you dont like it.
- Comment on Lady Gaga bomb plot: Thwarted plan lifts veil on the gamification of hate and gendered nature of online radicalization 2 months ago:
Any many who fits those is too busy getting laid non stop.
- Comment on Lady Gaga bomb plot: Thwarted plan lifts veil on the gamification of hate and gendered nature of online radicalization 2 months ago:
Racist.
You must be a man.
- Comment on Lady Gaga bomb plot: Thwarted plan lifts veil on the gamification of hate and gendered nature of online radicalization 2 months ago:
You sound like a man.
- Comment on Tesla Reportedly Has $800 Million Worth of Cybertrucks That Nobody Wants 2 months ago:
Jokes on you, I’d pay $1 for the lot.
- Comment on Is it weird to juggle in the park? 2 months ago:
Wondering if it’s weird is weird. Go enjoy your park.
- Comment on Ice cream season is soon upon us! 2 months ago:
Now I want to make this. A brain made of ribbons of strawberry ice cream, with a thread of sour lemon in the middle and tiny pop rock neurons.