this post was submitted on 02 Jul 2026
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Late Stage Capitalism
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Better keep renting the place they can't afford because nothing will ever get better and they certainly can't live out of their car or a trailer park for a short period to take real steps to helping themselves
People like you are fucked in the head. Your advice is literally "just be homeless and pick yourself up by your bootstraps".
If your argument is that people should suffer an undignified and substandard living experience just to afford the basic necessities of survival, then you literally deserve to have everything taken from you and forced into the same position you're advocating for.
Do us all a favor and go bite a curb.
I understand what you're saying - I've known people who would say things like "even the cheapest groceries cost me $100, I can't afford them!" when they could instead suffer through a few months of eating nothing but ramen noodles and multivitamins in order to save up some money for cases like these. A terrible few months that they don't deserve, but a worthy sacrifice to allow for a better life in the future. A lot of us have had to do it, and many of us are in a stable financial situation now because of such past sacrifices.
However, I've also known people who were already eating nothing but ramen, and were already living out of their car, and were already sneaking into the gym to shower, and still couldn't save any money, often because it's very difficult to get a job when you're already that far down to rock bottom. You're thinking people can't get that low - that they can always go a bit lower for the sake of saving up enough money to escape that life - but there are enough people so far down that you can't assume any given person has the option to go lower.
This discussion is presented as nobody should try help themselves because some people are doing it tough - you're now getting into extreme outliers and there's plenty of support services (both govt and charity) available for people in those circumstances. Go to a food pantry instead of buying overpriced groceries. If you have that much debt you can't afford to eat, go through bankruptcy. There are always options. It's a choice to remain at the very bottom
How are you this thick that absolutely everyone you interacted with in this thread has said you are out of touch and you just refuse to even entertain the idea. You are the real life "it's the children who are wrong" meme.
Echo chamber go brrrrrr
This thread is literally defeatism. You cannot seriously tell me with a straight face there is not one single thing that can be done to escape a situation where rent is too much to afford
go work, or volunteer at a homeless shelter for one month. I fucking dare yo bro. I double dog dare you.
wouldnt last a day
Your answer to the problem was to "put it on credit". Tell me, wise one, how they (in that position) would have credit to put it on? What was your solution again?
Someone in that position likely already has several lines of credit open. If not, there's always someone willing to lend money - the question is the interest rate
Depending on credit history and how bad the situation is (in this scenario they have been able to afford rent until the raise), the interest rate on a credit card might be 25-35%pa with a small credit limit but if it's their last resort then that'll work in a pinch
Ok. so troll it is then. You can not possibly believe this. Holy fuck.
no they dont.
I have never had a credit card, but I owe the electric company so much money it went to collections. My credit has never been over 600, but usually chills in the 500 range. No one, not even when I was 18-25, before the debt, would give me a credit card. The bank wanted me to give them $500 back then, and then run a line from the money I already gave them to build credit. I didnt have $500 extra laying around to give them, so I never did it. Then a few collections come cuz you cant pay, and now you have terrible credit without ever having taken credit out.
Living paycheck to paycheck, can be, living paycheck to four days before paycheck. There is nothing to give.
So, if you're down and out, all you have to do is stop being down and out? It's that easy? Why isn't everybody doing this? Just stop being homeless and poor, it's a simple choice!
I choose to be a billionaire! Now give me all your money, I deserve it more than you!
Oh, I'm going to be good at this.
It is APPALLING that living out of your vehicle has actually become a viable living situation in the 21st century. I am reading about people GRADUATING from college, and planning on living in their car for a few years, to save money, and pay off their student loans.
THAT'S NOT SUPPOSED TO HAPPEN! Living in your car is being homeless, and planning for that is the sign of a VERY unhealthy society.
You're really stupid
Don't breed