Between rising costs of living, student-loan debt, and the too-easy doomscroll-to-checkout pipeline, of course we’re overspending more than ever.
        • Sektor@lemmy.world
          01·
          2 months ago

          You probably mean drink less coffee. Lots of people makes their own coffee, they even grind it at home.

          • StinkyFingerItchyBum@lemmy.caEnglish
            01·
            2 months ago

            Some of us buy bulk green beans, roast at home on demand, hand grind, then make pour-over and espresso with a manual press. Then make espresso based drinks and spiced coffee on occasion. Mix of overspending, diy and slow food movement.

            My coffee habits would have bankrupted me if I went to cafés. I’m not saving any money with all the doodads I bought, but my quality of life is fantastic for the price.

            BRB, going to make a cortado.

  • blargle@sh.itjust.worksEnglish
    3·
    2 months ago

    Yes, the ultimate goal is for working at a job, any job, to become a non-viable way of “making a living.” Interest from investments, or inherited generational wealth, or land-lording will be the only way.

    The middle class has outlived its usefulness to the owner class, and all remaining rugs will be pulled out and ladders pulled up in the near future.

    This will be great for ““the economy””.

  • gravitas_deficiency@sh.itjust.worksEnglish
    1·
    2 months ago

    Money’s gonna stop mattering in the states soon, I think. Orangeboi is probably gonna try to replace the USD with NFTs or some crypto scamcoin or something. The rest of the world needs to move away from the USD, and fast.

    I wish I was joking.

  • ikt@aussie.zoneEnglish
    01·
    2 months ago

    tbh I find these articles unrelatable

    I’ve always followed things like

    https://earlyretirementextreme.com/

    https://mnmlist.com/

    https://www.mrmoneymustache.com/2013/02/22/getting-rich-from-zero-to-hero-in-one-blog-post/

    my mortgage is 1/6th of my monthly pay my next biggest spend is food because I am special needs … and it drops off quite quick after that

    With an EV with home solar charging, a battery and heat pump, I should pay off my mortgage in the next few years and after that I’ll quickly be getting close to barista fire

    • Deckname@discuss.tchncs.de
      1·
      2 months ago

      So no student debt for you, good on ya. For me paying my Rent (+Internet and electricity) is already more than 1/4th of what i make, then food, then student loan (1/6th). So i can’t relate to the early retirement movement, tbh.

      • ikt@aussie.zoneEnglish
        01·
        2 months ago

        i only had a few thousands, thankful for tafe here in Australia

        This I can’t relate to

        Online, “You can see someone on a boat. You can see someone skydiving,” says Kara Perez, the financial educator behind the sustainable spending platform Bravely Go. “That leads to these questions of, ‘What am I doing wrong that I can’t afford that?’ Or, ‘You know what, I deserve that. Let me figure out a way to achieve that’ — which usually means, ‘Let me put that on my credit card.’” If you see that the whole world has flocked to Europe, you may not rush to book a ticket, but you may do something small to give yourself an immediate dopamine hit — DoorDashing yourself an Italian dinner, for example, or buying yourself a swimsuit for future Sicilian sunbathing.

        if you’re ordering doordash or uber eats and having trouble with money i don’t know what to say

        uber eats is the epitome of a waste of money