In the long run, yeah, it does save a lot of money to prepare your own meals and coffee, even now. But the people who yap like toast and coffee are the sole reason things are unaffordable truly suck and are completely detached from reality.
this post was submitted on 12 Aug 2026
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The productivity loss of not using those, would cost you more in the long-run.
Right, it's also the cost of tattoos.
And nose rings!
blue hair doesn't grow on trees!
How tf you don't have a house if you didn't get avocado toast?
I bet the lazy fucker likes to go on vacations with his kids from time to time. Imagine complaining not to be able to afford a house while basking at the beach every summer.
my brother just took his family on week beach vacation, it cost them about $8,000. How much avocado toast is that?
if you dont' take beach vacations for 5 years, that's about 40K, which is enough for a down payment on a house.
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My neighbor bought at $900,000. They eventually needed to move for work so they put the house up for sale at $1,500,000.00. A few months later to 1.3 million. Then weeks later $950,000. 4 days ago they switched it to for rent at $3,985 a month. Like dude, no matter what it's too much! 900k is too much and the rent is too much.
Is Abysmal on both ends. Plus now as a rental that house will be incurring damage. But that's how you end up owning two homes. You just can't sale the first one so you rent it out.
I mean, your neighbor could 'man up' and just take a fucking loss.
It would be better to get the 800k and invest it, then have it locked up in a home that's not appreciating or can't be rented.
but hey, it's 2026, nobody can ever take a loss on property values... the line must always go up and we'll be stubborn idiots rather than take a minor loss...
almost like people are emotional and stupid when it comes to money... instead of pragmatic and smart.
I've never been in that position. I wouldn't give up trying. But then I would have never put myself in that situation in the first place.
The economists of it are clear. Every financial person would tell you sell the home, and invest the money.
But people are not rational or smart, they are emotional. Psych studies tell us we percieve the loss for $10 as far more painful than the gain of $100. So if you gamble, and win $100, but then lose $20 afterwards, you will focus on the loss and often try to over compensate and make stupider bets, and then come out with -$200. Gambling is stupid like that, but people are addicted to it because of the emotional roller coaster it creates.
To be fair though, I'm living in a village and mostly cook for my family myself. I've been to Warsaw the other day and visited a small roardside store and a cafeteria.
For the price of a sandwich I could make an entire meal. For the price of what I bought in a cafeteria (a croissant, a jar of jam, small pack of cookies) I could feed my 2+1 family for a few days.
A small cup of coffee costs as much as a homemade dinner in itself either.
I'm not saying you shouldn't eat out. I'm saying these parasites are milking us dry.
the economics of all that are different depending on where you live.
some cities eating out not very expensive compared to the time and cost of preparing food at home.
other cities, it's wildly cheaper to eat at home than eat out.
also depends on the food in question, the quality, and the market. Where I live $5 is a cup of coffee at the nice cafe, but there is no way that's buying you a proper meal for dinner at home either, that is closer to $10, but that same meal at a restaurant will run you $50+
further, some people just don't have the energy or time to grocery shop and cook every day, or don't think the opportunity cost is worth it. lots of folks who can't afford to eat out, economically speaking, still do because well they don't prioritize saving or budgeting.
IF you take that advice literally you'll never be able to buy a house because you head the words but you didn't understand the message
The message is to not waste money of frugal things you don't actually NEED. Every dollar counts a pennies a day can add up to a lot over some years.
It's to tell you to track your spending and see how much you waste on things you don't need and to analyze how you can save more
Also, don't just save it, invest it somehow if you can. This what banks are for. Go there, talk to a financial expert.
Houses are stupid expensive, that's true... but it's also true that you probably waste money. If you waste money, even if house prices drop, you still won't be able to afford one
That's all sound advice (except talking to banks) but given the current nature of our economy it's kind of moot for the majority of people.
Speaking of which, thanks for reminding me I have to move my state-obligated investment fund around to avoid the next "once-in-a-lifetime" financial crisis.
that's only viable for people who make 50+k a year and spend like irresponsible assholes in a reasonable cost of living area.
if you're closer to the poverty line, frugality ain't gonna save you unless you live with your parents.
regardless, this rhetoric is just victim blaming. people should be able to enjoy a meal out a few times a week and some beer AND own a house even if they work as a janitor.
like, give me a fucking break.
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No way man. Having to budget and save is propaganda billionaires are using to oppress us.
or something. I gotta buy that latest gaming PC parts so I can up my FPS and comment harder on the internet about how horrible things are so I can fight back against the billionaires.
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In 1960 the minimum wage was $1.00/hour and the price of the average US home was $11,000.00
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The government benefits here consider 200€ on groceries a month (<7€ a day) to be the absolute minimum they can give to ensure living in dignity. Now, I personally can take some cuts here and there (especially since they consider daily portions of meat essential) to save a few bucks, but even if you somehow get all your food out of dumpsters, you cannot save more than those 7€ from this.
That's not nothing, a lot of people would (and do) consider cutting back on food to save for other stuff. But it would take 50 years to save for a house, if real estate didn't outpace inflation. Cutting back on food can help if you live well above your means, but if you are barely surviving, it won't make you rich any time soon, just gives you money to spend on things to replace the enjoyment of an easy full belly.
You're right that cutting food costs is hard for someone already spending near the minimum, but the post is about the difference from eating lunch and drinking coffee prepared and possibly delivered by others. In some cities, that's probably about $20/workday, or $100/workweek, for about $5000/year. If we throw in dinner, the cost difference might be another $20/day, not limited to workdays.
Being able to cook good meals at home is a life skill worth mastering, and pays off in both personal finances and in long term health and enjoyment. People should still want to be able to do this, regardless of financial status.
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.
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