people still cant afford to live...

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people still cant afford to live...
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DISCLOSURE: I am not a financial advisor. I am sharing my personal opinion on all topics discussed in my videos. Please seek professional advice when needed.

[@jjbuckner]

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[@TRADONOMICON]

You're not happy with how things went over the past 4 years? Where did this situation start? Trump mishandling the Pandemic. Trump printing trillions out of thin air. Trump implementing Communist Chinese style Black Economic Empowerment through massive wealth redistribution scams.

[@yourmainful]

I know what that lady at the beginning can do. Etransfer her income to Israhole, for Zionist toe jam in return. Better yet, run and give it to the local politician to hand it to em. America is a pure con job which has its populace mind raped and 100 percent misinformed.

[@marym922]

This is not HALF as bad as what is going on in China! In the west there are thrift shops, garage sales, friends and family to pass things around as needed, public libraries, and (as everywhere) a good solid DIY attitude is a great thing. For example, cutting your own hair can save a huge amount. When I said things are way worse in China, I really meant it. Take a look at "lying flat", and "let it rot", "youth nursing homes"... that last one might be more accurately called a modern commune, or kibbutz.... but anyway, a very interesting cultural phenomenon.

[@AllenDolt]

In the 50's my Dad worked a modest job, Mom stayed at home and raised the kids, and they lived a nice middle class lifestyle including owning a home. Nowadays both I and my partner works and can barely afford to make ends meet. Soon the kids and family dog will need to work to keep this household going. It's the destruction of the American dream right before our eyes.

[@DennisSoklov]

​@EdenaCrisiI know this FA, Abby Joseph Cohen Services but only by her reputation at Goldman Sachs; even though I didn't know she's now involved in managing portfolios and providing investmnt guidance to clients. How can I reach her if you don't mind me asking?

[@AliciaSalvadore]

Abby Joseph Cohen Services has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

[@AliciaSalvadore]

The very first time we tried, we invested $7000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@RAKelBerquist]

I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Abby Joseph Cohen. I am at $128k right now and LOVING that you have to bring this up here

[@TessaKruqer]

Great share! Out of curiosity, I searched Abby Joseph Cohen Services online, found her consulting page ranked at the top, and scheduled a call session. I've read many reviews about advisors, but none seem as impressive as hers.

[@TheDowntownHermit-xj6rq]

I am 63 years old. I bought my first and only home at 59. I paid it off early. I live in a small Midwest town so the home was not expensive. I drive a 31 year old Jeep that's paid off. I'm debt free. I don't go out to eat/drink, I don't have a credit card. I use a debit card to pay bills. I eat one meal a day. I don't own a TV, I'm watching this on an old burner smart phone. 95% of everything I own is second hand. I am so grateful for everything I have.

[@corinth1121]

One meal a day? Snacks too!?

[@joec5544g]

Ya, I was with you till the one meal.... Generally I don't think that's healthy... I'm not a doctor but.

[@thebigcum6297]

@@corinth1121 We aren't really designed to eat as much as we do now tbh so I'd say they're fine with that one meal especially if it's a pretty good one.

[@thebigcum6297]

@@joec5544g Our bodies are designed to be good with one good meal especially now in modern times where we can so easily get nutritious foods 2 meals is actually fine and honestly breakfast is a waste. About brunch time is good because it's midday pretty much and it's given your body a chance to burn any excess calories from the day before.

[@osuk1]

OMAD is 👍 ❤

[@sarahharvey7844]

I told my son yesterday that he can't eat out for lunch everyday anymore. He's spending $20/day. I bought him lunch meat and told him to make a sandwich.

[@xaldath4265]

I regularly comment on this at work. My coworkers are lined up to spend $10-$20/daily for lunch...and we do not make the kind of money that makes that reasonable. *This* is the exact type of thing the "normalized" guy was talking about. 40 years ago it was normal to bring a lunch to work and the past decade made it so convenient to get food...and people just ate it up. I hardly ever see a lunchbox anymore and it's disheartening to see the causes without being able to convince people *they* are the cause. It's like people driving around complaining about traffic. Dude, you *are* traffic. 😅😂

[@Jordan-co2re]

I've only been able to eat once a day for a year now, now I have to skip entire days it's getting so bad

[@annoravetz5188]

Buy a Santoku knife and a cutting board, and learn to cut vegetables.

[@nicoleavery7238]

Is he an adult..? Sounds like he’s old enough to make his own decisions

[@xaldath4265]

@@nicoleavery7238 Sure, maybe he is. That doesn't mean the suggestions from a parent are no longer impactful, especially one that is still supporting the child. What are your thoughts on children doing work?

[@larkatmic]

Im 80. Our country is way worse than ever before. So much delusion and degeneracy being embraced. I blame it on social media, screen addiction and a government that keeps printing money. It’s setting an awful example for young people. Many spend and don’t save. We need everyone to stop spending money they don’t have and inflation will come down. Then they must learn to live below their means and pay yourself first. Save save save. I have no idea how to change the degeneracy that has become main stream culture today. It came so fast is taking us down quickly. Unfortunately social media seems here to stay. Before social media we learned to overcome the ego. Today the ego is embraced and so is mental illness. What a mess.

[@TravisPluss]

Dude! You boomers are the ones in power and government. It’s your generation’s fault - not social media.

[@lot2196]

Trump 2024!!!

[@lot2196]

All the democrats can focus on is murdering babies.

[@adriansanchez4875]

it's a controlled demolition, meant to put up a replacement

[@kurtsherrick2066]

We have pushed God out of everything. The System wants to destroy the Nuclear Family which is the bedrock of a Healthy Society. Yes Social Media has destroyed personal associations and the young peoples minds. Then put corrup, irresponsible and evil people in control of the Government and depravity is rotting Society. We are living in Roman's 1;18-32. When God Abandons a Nation. I am Disabled and on my own. I am blessed but it gets tougher every month. But I am thankful to be hanging in here.

[@civicsport702]

Someone said "100 dollars is the new 20 dollars"

[@helena3631]

This is true

[@karek4635]

That's been true since 2022. Worse now in late 2024.

[@xlasvegan7x]

You can absolutley eat pretty well on a hundred bucks a week. Just don’t eat out and make coffee at home.

[@DD-qi1lf]

I agree. Grocery is not that expensive if you can cook.

[@ladyzeta6]

I can feed a family of 4 on $100/week and we still can eat ribs, chicken, etc. Definitely have to know how to cook and no prepared or frozen premade foods. Shop with the sales, freeze meats for later, etc.

[@mikehawk302]

If you also regularly eat yogurt you could easily make your own and save a decent amount of money compared to store bought.

[@jgringo5516]

I do. I hammer eggs, steak, chicken, fish, tomatoes, blueberries, and blackberries. That’s all I eat. I just drink water or whole milk. I’m ripped at 52. All I do is save money. I never eat out. What’s the purpose of eating out paying high prices when all you do is poop it out the next day?

[@onthecase1002]

thats fine if you got your health, i had a heart attack last year and my world is wrecked. cant even get a job, get dizzy standing up now.. wish me luck...

[@iNeverSimp]

I wish you find God. Try. He is the only real hope.

[@honestwords4997]

Good luck and prayers for you

[@js77z]

​@@iNeverSimpI tried to find God, but apparently he's ignoring me

[@sunniertimer598]

Turn to Jesus Christ, be saved, and then ask HIM for the help that you need and he will come through for you. He takes good care of his own. Get baptized too. It made all the difference for me. Read the good word. In the Bible, it says the word of God never returns void, but accomplishes his will in our lives. I will pray for you.

[@justme-ti1rh]

You should apply for disability.

[@josiegarcia994]

husband is 71 years old and he says the US economy has never being this bad in his lifetime

[@FULANODETAL]

err he was in coma during the double cut oil crisis= ?

[@kayanoreeves1949]

The stock market is at an all time high, inflation has come down, gas is $3 a gallon, everyone I know has a fuk ton of equity in their homes. Things were much worse less than 20 years ago. Was your husband in cryo sleep during the housing crisis of 2008?

[@FULANODETAL]

@@kayanoreeves1949 Also i Guess he was in coma in 1973 when árabs CUT the oil..

[@IAm-pi7kf]

​@@kayanoreeves1949how's that crack pipe you're smoking? Inflation going down doesn't mean deflation, it just means things go up slower. This economy is good if you had previously made the right decisions before the downturn. I.e. its a good economy for owners. Most people arent owners, because of monopolies and oligopolies, therefore there is s systemic issue facing us.

[@justme-ti1rh]

Was he in a different country during Carter Years as president .

[@cookinthekitchen]

If you think the government is going to change your economic situation, you are sadly mistaken.

[@4309chris]

oh they can change it, and do, but only for the worse

[@IAm-pi7kf]

Tell that to the illegal immigrants that we pay for

[@derickz03]

Paid 10k less in taxes under Trump vs Obama. 10k more take home a year is equivalent to 20k or more a year raise. That’s a big deal for me, maybe not for you.

[@trex7359]

Your paying 10 grand more a year for Gas food insurance and rent under the current administration .Yes the government can change your economic situation but if your budgeting and living within your means and dept free your situation is still good. Unfortunately most people don't live that way so the economic situation for them is hurting and they feel it .

[@derickz03]

@@trex7359 more. My rent alone went from 1350 to 2750 a month. Im paying closer to 25k a year w this administration

[@espada9]

I'm 60 and I can say that this is by far the worst I've seen this country in regards to culture, trust and affordability. And as someone who is very economically literate, it's going to get much worse.

[@nychris2258]

Trump ruined the American psyche

[@spaceindian3769]

I'm 61 and seen this coming for decades😮

[@governmentlard1617]

Make $100k? Drive a used Corolla. Make $100k? Your house should cost $250k max. Dishwasher broke? Buy a reman motor online and KZbin how to fix it. Single? Find a happy and nice person to share your life with and use your dual income to buy 2 used Corollas and get a small house way outside of a cheap city. You don't need Netflix, Prime, or Disney. Buy an antenna or get rid of your TV. This is the way in 2024. If everyone lived like this, the inflation would come down by tomorrow.

[@Anniieee92]

My husband was laid off, thankfully we had savings! We r doing ok now!

[@Whoa_Nisha]

I’m a mail carrier and deliver to a retirement community, I’ve asked my customers that same question- if it’s been this bad… I’ve got mixed reviews on yes it is and no it’s not… but they’ve all said one thing similar is to just prepare for the worst. Change your habits money wise. Spend on only the necessities, save save save. Do side work to make extra cash if you can….

[@TRUTHbomb2.0]

We only eat out for birthdays. We drive well used cars. We let our adult unmarried children live in our home while they save money to buy a house. They help us with heavy lifting and other chores. We do staycations with our 20 year old above ground pool, and 30 year old pontoon boat. We have zero debt. What is crazy is our friends who take expensive vacations, and drive new vehicles are jealous of us.

[@joec5544g]

You're probably making memories.. Take care.

[@TheyCallMeJTK]

Yeah I used to be one of those people that always took the lavish vacations and spent money on the dumb stuff on friends who really weren't our friends and now I live a more humble life in Costa Rica and I couldn't be happier

[@TRUTHbomb2.0]

@@TheyCallMeJTK It took me about 12 years to figure it out, and drop out of the "keeping up with the Jones'" cult. We even had to distance ourselves from some who just look at you as someone "to beat" or "one up", even when you've stopped "playing the game". The old adage is true. We buy things we don't need with money we don't have to impress people we don't even really like. I have been much happier since I stopped trying to live my life by others' expectations, to stop "competing" with everyone else and just chart our own course in life. We are the 1st to retire in our friends group, 1st to have our home paid off, we don't follow the latest trends in anything, our home improvements are for practical reasons not for resale value (we might do that when or if we ever decide to sell). We made our home fit our needs, we like carpet it's cozy and warm, wood floors are too slippery for our old dogs, we have linoleum in our kitchen because we often drop things that would crack ceramic tile, we like the honey oak wood throughout that everyone else is painting over, we even still have the original washer and dryer that came with our house 30 years ago (maintained and fixed many times by husband) it still does the job and is easy to fix because it is not full of computer chips. This was the example my parents set, you don't replace something until it's broke or worn out. We NEED to change the culture back to how it was.

[@SuzyQ528]

That’s the life of a peasant, think about how luxuriously our overlords live. I’m not jealous, I think we deserve better.

[@cosmictraveler1146]

@@SuzyQ528and their lives are empty.

[@marybowers6090]

Younger people you gotta make lifestyle changes if you are struggling. I worked 3 jobs, had a roommate. Clipped coupons, did dinner parties and pot lucks with friends, never went out while trying to save. I drive a Chevy nova used car that I paid cash for. Cut out entertainment and vacations. We would do day trips skiing and use points from the gas we purchased for our lift tickets. We made brown bag lunches and made hot chocolate with baileys or Irish coffee, we were t buying anything at the lodge. You can do it till things improve. We’d do out door community free concerts and pack picnic dinners. I’d run the beach and do workout videos at home. Make coffee at home. Make family style meals where you’ll have leftovers to freeze . You might have to move to another state that you can afford to live in.

[@nicoleavery7238]

I’d rather die than have 3 jobs which leaves you with no actual life left. Why is that a normalized idea? Toxic.

[@kristinarawlings2258]

These videos are more motivation to keep living below our means.

[@MuahMan]

Make 80k, single, home is paid off (VERY small home), live in Miami. Still can't afford to live with no kids, no vacations, no nothing. Car insurance alone is $400 a month in FL. It's just stupid. People are giving up and I'm about to join them. I don't hate my job, I hate my career (IT). Staring at a screen 10 hours day has ruined my eyes. I'm about to quit and try and get a job selling cars or something.

[@KARS215]

$400 bucks? For 1 vehicle? I’m assuming you have a car note. I live on the west coast. My car insurance is less than $100 bucks but I own my vehicle.

[@IrisP989]

What car are you driving? We are paying almost $147 per month for our Tesla.. Is your property tax very high? Are you putting more than 20% in your retirement?

[@MuahMan]

@@IrisP989 My car is a 2019 Chevy Impala. Still own 9K on it. Only 6% of my salary goes into an 401k. Company sucks and doesn't even match. Miami has the highest ins rates in the nation thanks to fraud, and illegals. Trying to move someplace else... like North Dakota. LOL

[@Brian_Barby]

Car accident/s or points on your record? That seems very high unless you're driving a new car you're still paying on.

[@IrisP989]

@@Brian_Barby It doesn't apply to everyone. We are driving a car that we purchased brand new and are still paying for. Our insurance is much cheaper than $400. It was even cheaper until it went up by $200 and something recently.

[@karyn552003]

JJ people don't want to work 9 to 5 jobs anymore because you can no longer make a living off them. There is nothing deep about it. They pay the bare minimum, while posting record profits. The answer is always get a second job or do a side gig. Never see your family or kids. If you ate awake, you should be working. You are allowed no hobby unless you can make money off it. There are people who can't live below their means because they make 18 bucks an hour. That is half the damn country. To answer your question, I am 54 years old and this is the worst it has ever been. No other time in my life has even come close.

[@IAm-pi7kf]

That's usually how these enlightened centrist types are. They deviate to the most common mean, which happens to be the platitude "just work harder and smarter bruh". However they leave the other systemic issues out of it, probably don't support unions, and fail to mention any mass cooperative effort to make everybody's lives easier. The working harder and smarter is fine, but we also need supplemental systemic change.

[@karyn552003]

@@IAm-pi7kf we really do. I feel for the youngbloods now. Everyone is telling them to work 2 jobs and not drink Starbucks. Coffee is not the damn problem. Telling people who work full time that they dont deserve coffee and Netflix is ridiculous. Spend no money until you retire is effing asinine. That's probably what the lady who died in her damn cubicle at Wells Fargo was doing. I am Gen X and the system is broken.

[@ladyzeta6]

@@karyn552003 everything you said is so true. I’m roughly your age and I remember moving out at 24, could afford an apartment with my boyfriend (now husband), a brand new car, could take vacations, enjoy life and still save. We are alright because there’s been two incomes since back then, only had 2 kids and APRs for the home (2.75%) and car (1.9%) are reasonable. I’m not even thinking about moving because of my interest rate alone. Young people can’t get a start in life like we could. And back then you could work through and pay for college (not community college) reasonably. Paid off my student loans in a year after I was done. I told my daughter to stay home and save. It’s a shame things are so tough. There’s some things people can do with how they spend but it’s sad because it’s hard to make it for many people nowadays.

[@MattAK]

The costs of everything have skyrocketed, but wages have stayed fairly flat. Where is all that extra money we're paying going? Not into our pockets. I'm moving into a travel trailer in the Spring to try and get ahead of things.

[@OUFan2]

Every time I drive down the road, all I see is large SUV and Truck payments going up and down the road. I can't see the beauty of the vehicle anymore, l just see America going broke

[@sprint7412]

Most people I know have newer cars than me and I have to keep reminding myself there is nothing wrong with my sixteen yo fully paid car.

[@DanGilliland-pi4vh]

2 of the vehicles we own free and clear is well maintained and more than 20 years old. The best vehicles to own are ones that are paid for.

[@OUFan2]

@@DanGilliland-pi4vh I agree.

[@Joce123]

I think that you are wrong about why prices are going up. I believe it is sheer greed because huge company CEO salaries are so high.... They're just finding ways to equal more money out of poor people by forcing them to choose between food and rent while they have multimillion-dollar parachute contracts.

[@mostmost1]

That's what it is. That money they printed was put right back in the economy. Except for these greedy corporations.

[@justme-ti1rh]

Greed has always been around . You are blaming the wrong people .

[@slimsautomotiverepair8714]

MY GRAN IS 100 THIS WEEK SHE TELLS ME STORIES OF THE GREAT DEPRESSION AND SAID THIS IS HOW IT STARTED AND IT WILL GET WORSE BUT WE ARE IN THE BEGINNING OF A DEPRESSION NOW AT THIS MOMENT

[@javajunkie517]

Yes, age 55 and this is the worst state of the country and economy. I did not grow up in such an angry enviornment. We were generally proud to be American and honestly race was never an issue between 99% of us normal people.

[@djrickyb]

The problem with renting apartments is that MOST people become perpetual renters STUCK renting an apartment. As time marches on especially in the last 5 years, but honestly every year this happens, the rent increases are far exceeding wage increases. Without a major injection of money, or obtaining a life changing job leveling up with way more pay...you are going to be stuck as a renter today.

[@victortin559]

So, why are people even considering to vote for Kamala and co.? She has been in office for the last four years! Wake up people!

[@joeriveracomedy]

Winning arguments is more important than winning life to certain people.

[@xperyskop2475]

Gold fish memory

[@nychris2258]

Trump was president four years ago. All the covid stimulus started under Trump.

[@nychris2258]

Trump was president four years ago in case you forgot.

[@Flipo_99]

Trump is the one that increased the money supply with stimulus checks during covid, combine that with supply chains issues and you get inflation. Not saying trump is to blame (covid is actually). That's why cost of living increases were a worldwide phenomenon. Trumps proposed tariffs would actually worsen inflation going forward and his administration would be to blame this time.

[@eunicef1]

I like the hot shower gratitude comment, bro. Too many people wastefully spend due to feeling unhappy.

[@architran5562]

Do not forget you have to pay taxes on your paycheck, there is not much money to spend afterwards.

[@elijahcallender6423]

Bro, let me explain something to you I’m a trucker I make $23 an hour and I still can’t afford to live I make minimum wage. Basically I work a hard blue-collar job I should be able to afford an apartment. I can’t do that I’m living out of my car and crashing at my girlfriends crib, regularly I’m dealing with BS court case from my ex girlfriend and even if I wasn’t dealing with all that, I still wouldn’t be able to get ahead if you’re going to call something out, do the right thing and call out the obvious problem the economy is in this crap hole. Our government is responsible and we need rent control in this country point-blank that’s good. People are getting too greedy, we need more housing less legislation to block it and food monopolies need to be broken up. There shouldn’t be four companies, controlling the entire beef industry. Vegetables should be factory farmed in every community and we should be exporting everything we make this country has an abundance of stuff we could export it’s greed, point blank.

[@Jordan-co2re]

Facts !!!!

[@Foxy_bbb_b]

The US Congress has not kept to their own created budget IN ANY SINGLE YEAR since I started voting and that’s a loooooong time. If I spent household money as irresponsibly as CONGRESS does, I would be the next guest on the Caleb Hammer show

[@jessicamarieporter5391]

Its not just Americans struggling, its literally every country.

[@Krazybonejabs]

Just paid off 1400/mo in debt. Now putting all that extra cash in an E fund. Once that reaches 30kish I'll start putting extra principal payments on the house, all while DCA'ing and maxing out my 401k, ira, and hsa. It's been a LONG journey (20+ years) but I am finally making huge progress. I was making 50k at 35yr old. Every 20 yr old is crying they're not making 100k.

[@adriansteele7023]

Bro, i just finished working 83 hrs in 4 days. Im shaking

[@justinsalsburey3130]

If you’ve ever said it’s bc of “corporate price gauging” please do not vote. You are what’s wrong w this country

[@cosmictraveler1146]

Huh? You think they aren’t gouging? Record profits being reported and you think it’s the government “printing money” is why rents won’t go down and why chicken is nearing $20 a pack?

[@KayFabe87]

American citizens struggling to make ends meet, but somehow we “need” the 10 million “newcomers” who have poured in over the last 3 years and are completely dependent on taxpayer support. This is simply not sustainable.

[@contextual_investor6139]

Biggest issue I constantly see is people don’t invest. They work hard, earn some money, spend it, and then wonder why 5 years later they are in the same paycheck to paycheck cycle despite getting raises or changing jobs. People view investing as optional, or something they would “maybe do someday” but it’s one of the most important things you can do. It should be a matter of survival. I pay rent so I don’t get evicted, I pay my phone bill so I can still contact people, I invest my money so I can survive in the future. It should be a life or death concept in a budget but nobody recognizes the value of it

[@kinggeoffrey3801]

Agree, investing has been a game changer for me. Whilst the people I know go on fancy holidays and buy flashy car's, I'm over paying my mortgage and investing. All about priorities.

[@reginafisher9919]

Then why don't they teach it in school!! They literally don't teach anything in school you need, other than reading and arithmetic you could probably start working at 12 years old at Amazon, the rest is just a waste!!!

[@khaitran3709]

Can afford to live , but nfl n NBA stadium all get filled..!

[@dreao276]

My starbucks is usually 8 dollars and some change w the tip 😅 that's why it's an ocassional treat and I get my free coffee at work and on the weekends I make my own ❤😊

[@nicoleavery7238]

It’s trash coffee

[@cajsecret25]

People are too spoiled to sacrifice and they just don't understand prioritizing

[@chaselesser3191]

A lot of us do Wasreful spending. They didn’t have all these “Buy Now” items, everywhere.

[@sue9550]

I'm 66 and agree -- with everything we've been through since I've been alive, things have never been this bad. It's scary to be growing old in this time.

[@MikeJohn-hh8no]

I raised my kids I'm divorced I'm eating peanut butter and jelly sandwiches and drinking water at home everyday

[@leelee2u]

I’ve NEVER seen so many ppl suffer like this 😢 these past 3 1/2 years have been tragic‼️VOTE TRUMP/VANCE🇺🇸

[@ASOUL-rb9re]

Life is not expensive. Being taken advantage of is expensive.

[@joec5544g]

Being financially illiterate is expensive.

[@ASOUL-rb9re]

@@joec5544g Not mentioning a lick of financial education or advice in the time taken without consent and wasted in public schooling is malicious intent and warfare against your own future generations and your own people. This alone proves malicious intent and that you are in competition with your own future generations. This nullifies your idea that you are any type of authority or that any of us or our labor belongs to you. Narrative controllers that's all you are. Control the narrative so that we never define you as Betrayers of Humanity.

[@evanbutt2344]

Glad to see there are others with brains in these threads lol

[@mostmost1]

Tiktok beghing is the new hustle. They in cars doing videos and asking for donations. They struggling but getting $75 hair cuts, ordering uber eats, and buying the best mics to make videos.

[@jameson4420]

Hey JJ. Love your channel. I like how you talked about how we have so many modern conveniences these days that make life better, and easier, for so many people around the world. I wish more people would realize this and not take it for granted. We would have a lot less entitled people out there

[@harveythecat]

If you make more than 60k and are still broke, it’s your own fault for not knowing how to prioritize your spending and lifestyle

[@phillyd4874]

Depends where you live because if only making 60k where I live is poverty

[@harveythecat]

@@phillyd4874 I live in San Francisco, the most expensive city in the USA, where 100K is considered low-income, and yet I’m still able to save and invest $1,800 per month with a salary under $65K. Do you have any more excuses?

[@harveythecat]

@@phillyd4874 I live in San Francisco, the most expensive city in the USA, where 100K is considered low-income, and yet I’m still able to save and invest $1,800 per month with a salary under $65K. Any more excuses?

[@harveythecat]

@@phillyd4874 I live in SF, where 100K is considered low-income, and yet I’m still able to save and invest $1,800 per month with a salary under $65K. Any more excuses?

[@harveythecat]

@@phillyd4874 I save and invest $1800 per month in a city where $100,000 is considered low-income with a salary under $65K. Any more excuses?

[@josueflores8684]

Its more our fault for spending money that we don’t have

[@SashaEllie-zc4ql]

Love the hot water analogy! Yes times suck right now but find the good in everyday. Leaves falling, grab a cup of hot chocolate and go for a walk. That’s free. Find free options with what you are now paying for. Lower your monthly expenses little by little. It all adds up.

[@ThePetit1989]

It’s bad out here. Company just did another re-org and laid off nearly 5% of the workforce, sent a number of jobs to India. I think at this point people at work are just preparing for whatever may happen. Just try to pay off your debts and wait for the shoe to drop. At least that’ll save you from accruing interest on owed money.

[@Barada73]

I make less than $30,000 a year and I'm in a pretty good place right now financially. I'll be in a better place once I pay off this last $6000 worth of credit card debt, but I'm definitely not struggling just to survive. A lot of my specific situation has to do with the relative low cost of living of the state I currently live in and I keep my expenses as low as possible. I do have hobbies that I occasionally spend too much money on, but it's 100% my fault if I blow my budget on a hobby related item. I'm not going to blame my job, the economy, capitalism, whatever, when I really just need to look in the mirror to explain why I'm broke.

[@joec5544g]

Like any type of "bad habit" admitting it is the first step... Take care.

[@jeffk3368]

You say you aren’t doing do bad, but having 20% of your yearly income on credit cards is a serious problem. Sounds like you know what you need to do to get out of the hole. Don’t give up and don’t lose steam!

[@kinggeoffrey3801]

If you have to work 60-70 hours a week to survive, then that's what you need to do. Me and my wife did it for 20 years and now in our 40s in a comfortable position. As Dave Ramsey said, Suck it up buttercup, nobody is going to save you.

[@SuzyQ528]

Empathy is lacking and delusion is profound.

[@Calinative0523]

@@SuzyQ528The guy over here acting like Property taxes/car insurance/home insurance/food/energy/etc didn’t go up 😂😂. The Dave Ramsey excuse was good before 2020.

[@IAm-pi7kf]

When you're forced to work that much just for survival you're not really living, i.e just paid enough to survive makes it so that way you can't save any money or invest into your future. It also sets a bad precedent for work culture, for instance we could all just employ children to do 80 hour work weeks to make things easier for all of us, but that wouldn't work for obvious reasons. Instead of constantly putting it on the individual to work more and more, we also need to refine our work culture and restore the economy to accommodate a 40 hour a week wage on average. We start by taxing the rich, proper management of the tax ofc, get rid of blackstone/rock, and not allow people to generate artificial scarcity with real estate.

[@mikehawk302]

I would rather drop dead than work 60-70 hours a week, not how I would want to live my life.

[@dreanichols1520]

I refuse to eat out now. I went to buy dinner for my partner and I, two chicken rolls and small fries. $48 AUD (I'm in Australia). I said oh I think you're charging me the wrong order ... Nope ... So I won't be buying out anymore

[@SkywalkerPMs]

What the hell is a chicken roll?

[@matthewallman3500]

Some land down under cuisine I assume.

[@dreanichols1520]

@@SkywalkerPMs it's I guess a subway bread chicken and mayo? Lucky I said fries and not what Aussies call it chips haha

[@dreanichols1520]

@@matthewallman3500 basically a chicken sandwich but subway bread?

[@cosmictraveler1146]

Yeah I haven’t doordashed or ate out in years now

[@the_veil_]

They can’t afford to live, but then ask them who they’re voting for… I bet it’s against their best interest.

[@joec5544g]

I hear many people speak of wages and how they don't keep up with inflation/prices... That is unfortunately a reality... Here's one more reality... In the last 53 years, household income is only up 700%... The S&P is up almost 5,700%... The reason times are hard and the middle class is disappearing isn't primarily because of "corporate greed" or "price gouging", but rather it's simply becoming an era of investors and non investors... It is very rare that income alone builds security, let alone wealth... People can believe me or go get a third job.. Your choice....... Love the content, take care.

[@chrisniner8772]

I'm living 6 pack to 6 pack.

[@SafeTopps]

Money sent to Ukraine could have been utilized to benefit US. We don’t need to send any other NATO countries money!

[@real82it]

That explanation for the cause inflation does not work this time. That explanation relies on the fact that there are more dollars chasing the same amount or fewer goods. The vast majority of people I know in the last four years have not had more dollars, they have had noticeably less. It is to the point now where people I know that make into the six figures are broke. People don’t have excess dollars yet inflation persists. Something else is causing this drastic persistent inflation. Supply side? Taxation? Other?

[@SycoticReaperMk]

Trillions printed by government and given to their rich friends

[@jeffk3368]

Feeling broke while making six figures is because of spending habits and inflation. That amount of money just doesn’t go as far anymore. With interest rates being at a more normal level instead of dirt cheap, mortgages have become tremendously expensive compared to even just 4 years ago.

[@tharpeaddy]

I really watch what I spend my money on now. I don’t ever want to be homeless again or have it as hard as I ever did…before… I stopped eating out I ride e-bikes I don’t have a car It’s not simple…it’s not…but…it helps me budget and get by… I also buy stocks and only buy things that I can use on the daily basis… Times are tough and I have a hard time pretending that times are easy asf

[@HayesChad]

Amen about taking for granted what we have now in comparison to what we didn't have just 100 years ago.

[@SL123-zd6kf]

corporate greed and price gouging! Those are facts

[@tammyflashy9328]

Don’t vote

[@waynemitchell9]

JJ, No matter who's president, they can't control your rent, how much you pay for groceries, your car payment, etc, that's all from corporate greed which really started and got worse with the pandemic. People need to battle with corporate CEO's not politicians. In my 70 years, I never ran my life according to politics. You try and get the best career you can, be wise with your money and be good to others. Don't worry about elections, no politician can save you. Thanks.

[@jkseraphim4]

Excatly. This was what people thought after Bush Jr. left, and Obama became president. I still blame Bush Jr for all this.

[@FooFan-b3k]

Amen! I'm in my 60's and things have been worse than now and better and the one thing that never changes is some win and some don't.

[@punt4madre]

Bs.. trump will shake up industries to protect us. That’s why they try so hard to make us hate him

[@Bitcoin_Gold]

Wrong blame all this on worst President in history Joe Biden & Useless Kamala for destroying America's economy using there bad policies

[@10leomessi]

It's frustrating trying to explain this to people. I'm 29 and even I see that it's both corporate greed AND people trying to flaunt a life they can't actually afford. But no, they want to blame who's in office and think this next election will somehow make a positive impact on their financial health if the "right" person gets elected. No politician can fix your problems if your monthly take home pay is $4k but you spend $4,200 taking on $200 in debt a month.

[@laurijohnson7754]

I have a hard time with a lot of this. My husband and I are retired. But the oath wasn’t easy. We both put in tons of overtime. I cleaned houses while my kids were little so I could be home around their schedules. I remember having 5.00 in the checkbook at the end of the month. I wore 5.00 Walgreens Tshirts and couldn’t afford to cut my hair so it was pulled back. We never went out and I couponed and cut my kids hair. Everything was budgeted. But we put 400 a monthinto an IRA for years. My friends were out buying cars and eating out and going on vacations yearly. We never could afford vacations. But now these same people are crying they can’t afford to retire. People many times are where they are because of the choices they make! Life is tough!

[@Souleater7777]

Nah

[@DogMomAdventures-h24]

Very true. The choices we make affects our lives.

[@asjoalsjka]

Can't afford gas to drive to work? People need to curb their ego and start transiting. They can save a whole lot of money for essentials and investments.

[@willlively6907]

This guy rules! Good advice, great attitude,entertaining content. Keep it up!!

[@leee3880]

Not only were credit cards not around, neither was social media, which I think also helps entice people to live like out of control spending fools. They will see what others have, and believe they “deserve” it too.

[@laurettespann3951]

I raised my kids in the high inflation 80s and 90s. Absolutely used credit cards. I stopped reading the newspaper and magazines because of the adds promoting consumism. If I didn't know about it I didn't want it. My husband worked at a job and found a new job making more money and we scrimped and saved and invested. We didn't eat out much and I started small businesses to have spending money and pay for inexpensive trips for my 4 kids and us. The 80's were tough. We had an 11.5% mortgage. Car loans we paid 13-14% for cheap used cars. Yes houses and cars cost less but wages were so much less. We made 15,000 ayear and had 4 hungry kids that outgrew everything quickly. No today isn't harder. Everyone just watches KZbin and other social media and wallows in it. The problem isn't how much you make, it's how much you spend

[@jeremyfalkey7522]

Vote Trump we can't afford Kamala

[@spaceindian3769]

Don't worship your overlords😮

[@joliver79]

JJ keeps these videos coming. Good Info. What I have learned is no one is going to come and save you from your financial problems but you. Yes everything has gone up in price and wages are not going up that much, hell I got a 2.5% raise lowest i ever got with my company and i have most Seniority and high quality and production. I was pissed but I suck it up and still show up and do job. I also put in 60-65 hours a week to be able to save that $, invest in market and HYS, brokerage account, roth IRA and pay extra $ a month on my principal of house. It can be done just have to sacrifice for a bit. Doing this now so I the older me wont suffer

[@jjbuckner]

@joliver79 knows what's up. Keep it going big dog

[@Melanierose.821]

I haven't seen anyone comment on this: $1040 rent isn't getting you much in safe neighborhoods. Coffee isn't the problem... I'm not saying daily Starbucks is good for anyone and we need to adjust lifestyle. But don't just ignore the fact it is tough out there.

[@RockyBarks]

I'm Canada in the exact same thing is happening here we can't afford anything rent food housing it's amazing how it's happening all over the world who says this wasn't all planned by government

[@AnnCashes]

dont quit an 80,000 job in this market. find a better insurance rate, learn where to shop for best rates and stay out of fast food and restaurants& boozing at night (if you do). buckle down

[@Sumler]

You are so right with everything you said, I am in my thirties and only just now realizing how much better life is cutting back on your expenses. I don't eat out anymore like that only once a month. I now have a full time permanent job so I am now able to control my finances better. Without living beyond my means. It feels great to be stable. Sorry to all those people having a hard time but try doing what he said in his videos. Cut back on your expenses. It was hard for me to do so but I am so much better for it. Thanks for your video's I just subscribed.

[@rossgossman6530]

Great video JJ. The last statement is the best one… GO VOTE! Nothing will change unless you get the right people in our government.

[@chrissithlord4760]

People keep voting for these politicians like it’s a popularity contest instead of policies. Keep voting the same and expect a different result. It’s your fault.

[@NWcpl]

100% agree with you. folks need to stop complaining and sacrifice to get ahead. We did, for two decades and that's why we are debt free and retired in our 50's. SACRIFICE MADE IT HAPPEN Period...... no vacation for over 10 years...

[@tarajo4836]

Are there only older people commenting? This is crazy, the perspective of basically anyone over say... 60ish, is waaayyy off base. Especially those who have lived upper middle class or middle class. Yes, general finance and budgeting apply in these times, but there in lies the disconnect. Too many variables debunk these philosophies in the current economy. Try applying them on a low income wage or if a person or family is homeless.

[@johnkessler9878]

I’m 73 and understand the mindset of many young people. Most people in my generation didn’t like their jobs, but we stuck with it because we could see the benefits: buy a house, a new car every few years, and higher education was affordable and paid for itself fairly quickly. It was worth it to get married, but now divorce is a major danger for men. So they are dropping out. For men to work hard, physical jobs they usually only do it if they have a wife and kids. Otherwise, men don’t need that much to get by. But you’re right all this govt spending and national debt produces inflation. And it will get worse as the global south and BRICs moves off the dollar. Those dollars are coming back here and will be worth less. This will be the case over the coming decade.

[@BREEZYM6015]

I make $3,600 a month net and have a mortgage of $1,550. I'm good.

[@Tony-mq5yo]

No you're not, very soon they going to raise taxes and insurance and utilities while YOU making same wages. I hope not, but this is what I see.

[@kzvlllll709]

I think hes being sarcastic.

[@SteakFromJakeFarm777]

idk about this take. wages have outpaced inflation. especially low wage earners (some fast food wages have doubled). so a lot of prices are higher because employees are getting paid better. also, prices are higher because people are spending. can’t raise prices when folks aren’t paying. Disney World is packed. airports packed. restaurants packed. i forget what economist said “YOU are the inflation.” ie, is inflation high or are people buying Ubers for their burritos?

[@HappyTraditionalWife]

Being immature and irresponsible makes one broke! Life simply and frugally..you will never be broke

[@Tailionis]

Off what ramen noodles? Living in your car? How simple must we be? This is ridiculous like your comment. Just lost my home from flooding. Now what? Wtf are we supposed to do!?

[@HappyTraditionalWife]

@@Zx6rBlue Yet many people are still living comfortably on one income. 🤨🤔🤷🏻‍♀️

[@HappyTraditionalWife]

@@Zx6rBlue Yet many people are living comfortably on one income 🤨🤔🤷🏻‍♀️

[@ladyzeta6]

@@HappyTraditionalWife starting out in this economy is rough for young people. It’s different if you’re older, college years behind you, have had years to earn and save, have low APRs on mortgage/cars, etc. Those things make a difference. There are people who overspend and don’t save and yes that plays a factor but when your large fixed expenses are manageable, life is easier. My boyfriend (now husband) and I had an apartment, we were mid 20’s, $440/month, I had a brand new car. Wages were good. I took trips, could still save. I paid off my student loan (out of state university) in ONE YEAR. All while living in a major city. My daughter would be looking at $2000/mo for an apartment (or live with a random person to split expenses), brand new cars are unaffordable and college is insanely priced even if you go to an in state school. Keeping all things equal, she literally can’t do what her father and I did 30 years ago. People do have to save and adapt but it definitely isn’t as simple as it used to be, many jobs pay horribly and it sucks to say, “You can’t live the life I could at your age, oh well.”

[@iliterallylovethis2212]

People hate on stable jobs but it gives you the security and consistency that these internet jobs can’t give. The stigma that working, working 9-5, or working under others is bad is just plain stupid and ungrateful to all the benefits it gives you

[@CAGChannel1]

Put your finger down if you can never truly own your land and home because of FOREVER property tax. I would argue that the fear around 9/11, and asking about all the contractors you ever worked with to find out if they lived. This is after the absolute panic terror because your husband isn’t able to get ahold of you until almost noon. True fear - watching only fighter pilots in the sky, no commercial planes. I pray we don’t add that type of fear to this current mess!

[@joec5544g]

It was really creepy not seeing any planes for awhile...

[@frednichols7996]

If you are shopping for food get the store brands

[@dm3988]

I understand that first woman may be feeling defeated about her current situation. If she is finding it difficult to make ends meet despite working full time, it's important to consider discussing a potential pay raise with her employer. Additionally, working on the weekends or seeking additional part-time work may help improve her financial situation. If she is facing challenges with basic necessities, reaching out to local resources such as food pantries can provide some support during this time.

[@GergonX]

A couple of hours ago, my wife emailed me to say she just had her work hours cut significantly. I had a doctor's appointment next week that I will have to cancel. I am going to lie to everyone and tell them I feel better so that's why I didn't see the doctor. This is just awful. I am 60 years old and worked in IT. Tech jobs disappeared and age is working against me. When times were good, I was proud and felt optimistic about the future. Now I can't provide for my family and it seems I really screwed up.

[@brianhall2525]

JJ, look at the massive increase of insurance over the past few years, it's nuts. All State, Travelers, Progressive...etc with massive stock gains from these inflated prices in past yr. It's crazy ridiculous.

[@bskinny9009]

Over the past 4 years? More than that, it's been 20 years.

[@ryangardner7709]

Working till August for free isn’t gonna cut it anymore! paying the government 40% of my money for nothing isn’t gonna cut it! I’m sick of it! The revolution is here it starts now!

[@nightfangs2910]

I'm 59 and I feel it badly being a child of the 70s this country for sooo many reasons are in such a bad state it's not funny

[@lreeher]

Women are "Strong and Independent". They will be fine.

[@BenQotsa]

Hey JJ, I love this content. However people say this is the worst time, because people are currently experiencing it. Then when the next depression or recessions comes, they will say this is the worse it has ever been. It due that people are reliving the present with the past.

[@anniealexander9616]

I put gas in my daughter's car for her to get to work. He is correct. Make changes. My son is broke from helping my daughter. Me too. He is moving home and we are going to rent out his home. He is working 12 hours of overtime on Friday night rather than hanging out with his friends.

[@joseCalderon1976]

I'm 48, born in central America, I went through a civil war and revolutionary war back when I was a kid in Nicaragua. I beg to differ with that lady. Yeah, things are more expensive and it's harder to make it, BUT I cannot stand here with a straight face and say the cost of living is WORSE than an active war. Do you really think that veterans that have been through active war think that it's worse right now than back then? A lot of us make it much harder on ourselves by buying "needs" that are way too much for us, like very experience cars, huge houses, living in areas that are way too much for our salary, etc. Now is that former government worker talking about the economy? The state of people's minds? I don't know. Yes, it's harder, but not impossible to make it. My honest opinion. I make about $120k with my wife combined here in San Antonio TX, and we can save, go out, save for retirement, do stuff with our kids and other things like that. And we don't live pay check to lay check? Why? Because we have a modest home (we got into it back in 2012. $165k at 3.5% interest), we only drive good reliable used vehicles, and we don't constantly buy crap that we don't really need. Just my opinion.

[@Avsfan23]

You can live in major cities without breaking the bank. Rent a room instead of getting a nice apartment all to yourself.

[@JacquelineDowell]

I agree with a majority of what he is saying- cut out unnecessary spending, always prepare for the worst, and stay on top of your credit card debt so you have as little as possible or none. About the conditioning of the high prices, some of that is true but unfortunately our power as the consumer is very limited to force companies to change this. For instance there are only 2 major companies in America that control a majority of food production so there isn’t any real competition or incentive to lower prices. People can refuse to eat out or refuse to buy certain items at the grocery store, but you can’t refuse to eat altogether and even basics are ridiculously expensive. Same thing with shelter- you have to have a place to live and when darn near everything is expensive, what can we as consumers do?

[@wealthbuildingstory]

Love JJs mindset

[@HorrorAceDrums-b9h]

And as a 20 year old with a chef certificate, jobs are not hiring because of this stupid ai and robots, especially online applications

[@Thedrickx]

14:00 How It Went: "This, this was $17"

[@IAm-pi7kf]

Then the ingredients cost a lot, not as much but a lot.

[@shawnharrington9817]

Inflation has been out of control for the last 20 years ..usa has no choice but to print more and more and more 😢😢😮

[@nychris2258]

Just in case everyone has forgotten, Trump was president four years ago in 2020 when all the stimulus happened.