BombOmOm

paychecks dont arrive for another week (or more), sometimes it’s a necessity

Absolutely. And then when the bill comes in six weeks, pay the balance.

Credit card use is fine, carrying a balance on credit cards is what eviscerates your finances.

I believe the FairPhone is pretty solid.

Not as good, but Apple stuff is a big step up from Google and Samsung stuff wrt spying.

Don’t carry credit card debt, the interest eviscerates your finances. It is a fact much of America does not take to heart.

Agreed, that is very much a ‘it depends’. A $1000 pro max every year is opulent, a used SE every 5 years isn’t.

Yeah, I recall a Ramsey poll where the fourth highest profession for millionaires is teaching.

Learning from others and following a plan is how one becomes a millionaire. Teachers have those critical skills down.

The person I replied to should not label those people the enemy then. As I said, he is painting with much too wide of a brush.

Median household income in Colorado Springs is $83k/yr. Said 3 bedroom home for $265k is quite affordable on $83k/yr.

unless you have a fully remote job

And if this is the case, you are doing even better and have a shitload more options.

Those who live off property (aka others’ labour) are.

This is everyone with a 401(k) for retirement. Ie, what they will be loving off of. Not sure why you are labeling the vast majority of people the enemy…

Hell, since you are including 'other's labour', then this would also include anyone living off Social Security, a pension, disability, etc. All of that money comes from other's labour.

Your brush is way, way, way too broad. You have marked almost everyone the enemy at some point in their lives.