this post was submitted on 12 Aug 2026
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Most people don't want to audit themselves this way. It's too embarrassing and humiliating to realize how stupid you are with your money and that your struggles are entirely of your own making... better to just never look at blame other people for 'stealing' your money.
And what's dumber is your bank probably has tools in your credit/debt card account that does this shit for you automatically.
And the demo who whines the hardest about this is not the people who are legit poor, it's the upper middle class who think starbucks and sweet green is a daily necessity they can't live without, but yet somehow wonder why they can't seem to ever save enough for major purchases like cars and homes... and often they further use this 'despair' to justify further indulge in wasteful spending. Further, they tend to justify this absurdity by citing like luxury high end properties as the cost of a home, rather than properties that cost like 1/4 of those that they could easily buy, but they don't want to make the 'sacrifice' of having to not live in the most desirable/expensive areas of a HCOL area. Like, just because you can't afford a 2 million dollar apartment today, doesn't mean there aren't 500K ones 20-30minutes away from where you currently live that you could easily afford with a little fiscal discipline.
Instead of... stop the wasteful spending, keep the savings, invest it, and all the sudden in a few years you have way more money than you did before and owning a home seems far more approachable.
Also, talking back to people whining about their money problems... fastest way to end that relationship or friendship. Folks will just HATE you and call you an evil oppressive privileged person... rather than admit that maybe they have a spending problem.