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Samuel L. Hacksaw
Mar 26, 2007

Never Stop Posting

ArbitraryC posted:

I know coffee and avocado toast are conservative memes at this point but on a whole I’ve met far more people who make as much (or more) money as me living paycheck to paycheck because they’re terrible at handling their finances.

The CoL is not particularly high in my area, housing has started to explode in the recent years but you could still easily get by on a 40-50k job. However, that precludes spending 10K a year in delivery/drive throughs as well as not going into debt on cars and poo poo you can’t reasonably afford. You gotta budget and live within your means.

I have a coworker that I personally know makes about 50% more than me that’s up to his eyeballs in debt because he does poo poo like buy a boat he’s going to use twice a year on a 10 year loan that will literally end up costing him over 300% of the price of the boat.

Another guy complains about how he’s broke, is paying off back child support, and regularly orders uber eats from a bbq shop that’s less than a mile away.

Then these guys ask me how I can afford to smoke a prime rib on a random weekend and it’s like “because i don’t spent 30 bucks on takeout a day so I can eat something nice on the weekend and still come out ahead”.

I feel like people have normalized completely unnecessary conveniences/luxuries which not only is draining their bank accounts but creates a bunch of lovely service industry jobs.

As I've made more money in my life and adjusted my financial tracking spreadsheets I can see my fun money expenditures increase at like 10x the rate of inflation.

Especially after I got my med card, my first raise after that, I just decided to dump into weed every year.

But I made sure my bills were paid every step of the way so everything after a certain point is for fun anyway.

My most conservative opinion is that retirement withholding should be mandatory.

Samuel L. Hacksaw fucked around with this message at 20:39 on Oct 18, 2021

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Turrurrurrurrrrrrr
Dec 22, 2018

I hope this is "battle" enough for you, friend.


This is why I am anti-abortion

runnypoops
Mar 26, 2016

been there. done that. prove yourself to me.
My conservative opinion is that this thread sucks poo poo!

Klyith
Aug 3, 2007

GBS Pledge Week
My conservative opinion is that marxist communism doesn't work above the community scale, and that democratic socialism is the left-most stable government possible under current conditions.

Endorph
Jul 22, 2009

ArbitraryC posted:

That’s my point, I know I was going to be met with pithy refrigerator responses but this poo poo is simply not necessary. These are people that should be comfortably well off but they’re not because they just max out all their cards and grab any line of credit they can get and it’s shockingly common.

I am not referring to people who work service in a major city or w/e obviously poverty is a real thing that you can’t scrimp and save out of when you make so little and rent is so high. But I, like most people, mostly have social circles that consist of those at a similar socioeconomic range and I can see first hand what I can do with a same or less money as friends/family/coworkers/even bosses.
Your friend with the boat is an idiot. But the reason people are bad at saving money is because they grew up in households that had little money to save and money would come in and out over night, and public education makes little to no attempt to teach you how to handle your finances. In that environment, how are you supposed to learn how to handle money? Especially when you've internalized the idea that being comfortably well-off is impossible.

It's not a personal failing on their part, its a failure of society and education.

Bad Purchase
Jun 17, 2019




i learned how to save money and plan for the future by turtling in starcraft

everyone throwing money at crypto and GME were the ones creating 7 expansion bases before building a single siege tank

A Strange Aeon
Mar 26, 2010

You are now a slimy little toad
The Great Twist

Endorph posted:

Your friend with the boat is an idiot. But the reason people are bad at saving money is because they grew up in households that had little money to save and money would come in and out over night, and public education makes little to no attempt to teach you how to handle your finances. In that environment, how are you supposed to learn how to handle money? Especially when you've internalized the idea that being comfortably well-off is impossible.

It's not a personal failing on their part, its a failure of society and education.

Sure, it's the same reason most people don't critically evaluate the media they consume; savvy consumers don't go into debt buying stupid poo poo they don't need, which is bad for business.

Archer666
Dec 27, 2008

Endorph posted:

Your friend with the boat is an idiot. But the reason people are bad at saving money is because they grew up in households that had little money to save and money would come in and out over night, and public education makes little to no attempt to teach you how to handle your finances. In that environment, how are you supposed to learn how to handle money? Especially when you've internalized the idea that being comfortably well-off is impossible.

It's not a personal failing on their part, its a failure of society and education.

As somebody who worked their way up from a working class family who had to use a part of my student loans to stay afloat to a cushy IT engineer job, to a certain degree I can agree with this sentiment. The first several years of my job I basically went through my paychecks like it was candy, just because I had never conceived of being able to afford much beyond the bare necessities and now all of a sudden I can buy whatever poo poo I want.

But here comes my conservative opinion: Its never too late to learn how to handle your money, to build a modicum of self-restraint when it comes to spending. It's what I did and I'm not anyone special.

ArbitraryC
Jan 28, 2009
Pick a number, any number
Pillbug

Endorph posted:

Your friend with the boat is an idiot. But the reason people are bad at saving money is because they grew up in households that had little money to save and money would come in and out over night, and public education makes little to no attempt to teach you how to handle your finances. In that environment, how are you supposed to learn how to handle money? Especially when you've internalized the idea that being comfortably well-off is impossible.

It's not a personal failing on their part, its a failure of society and education.

Another conservative position I guess I hold is that while I completely agree you can't address society wide issues person by person (for example you're not gonna browbeat enough people into boycotting a lovely large corporation like walmart into forcing walmart to change) and hell many issues would legitimately be impossible to solve this way (only so many good jobs out there, even if you convinced everyone to study <lucrative field> there'd only be so many positions available, someone needs to drive the garbage truck), on an individual case by case ratio it's fine to think someone is behaving badly or making a mistake. It's unreasonable to expect society as whole to change without legislature/education changing, but it's perfectly reasonable to think an individual you personally know is wrong for doing or not doing something.

I feel like on these forums and the internet in general people often just throw up their hands about issues like student debt because it's never gonna be truly solved until there's a fix from the top down, and this mentality bleeds into a learned form of helplessness. As a millennial I completely understand the deck was stacked against us but at this point many of the causes are known, just pass on the wisdom of our generation. An easy example is I do tutoring as a side thing, for money back in college and now mostly as a community service and one thing I tell various college or gradschool hopefuls enlisting my services is to look at the cost and expected return, the reality is most high school/college students looking at college or grad school have learned something like simple interest formulas and you can show them in calculations they understand what longterm student debt looks like and as I've been doing this so long I've seen the results of this firsthand. Giving practical advice about how not to get caught in common traps or how to dig your way out of them is good and it's good to talk about it, whereas this sort of thing commonly gets dismissed as punching down or judgmental in the social spheres that purport to fight those very issues.

The boat guy was talking about buying the boat at work and mentioned the interest rate/period of the loan so I literally did the math then and there for him. He's still bought it because he's an idiot with poor impulse control and his financial issues on an individual level are entirely of his own individual making.

OMFG FURRY
Jul 10, 2006

[snarky comment]
the only people that should vote to go to war or not are the people who will be fighting it

Junk
Dec 20, 2003

Listen to reason, man. Why make your job difficult?

OMFG FURRY posted:

the only people that should vote to go to war or not are the people who will be fighting it

but then we would never go to war again and they'd have to stop making call of duty games

is that a world you really want to live in?

Mr_Companie
Jul 4, 2003

ARE YOU INTERESTED IN AN EXCITING BUISNESS OPPROTUNITY?
Check the power of duplicitous merchants by limiting peerages to Princes of the Blood

DickParasite
Dec 2, 2004


Slippery Tilde
The obesity crisis isn't caused by a lack of education on physical health, but by an economic system that rewards food companies for producing cheap, non-satiating, calorie-dense food. It can't solved by education, only top-down restrictions from governments.

Wait maybe that's my most liberal opinion? I don't know.

Icochet
Mar 18, 2008

I have a very small TV. Don't make fun of it! Please don't shame it like that~

Grimey Drawer
obesity = strength

OMFG FURRY
Jul 10, 2006

[snarky comment]

DickParasite posted:

The obesity crisis isn't caused by a lack of education on physical health, but by an economic system that rewards food companies for producing cheap, non-satiating, calorie-dense food. It can't solved by education, only top-down restrictions from governments.

Wait maybe that's my most liberal opinion? I don't know.

liberal, i read that essay too

Colonel Cancer
Sep 26, 2015

Tune into the fireplace channel, you absolute buffoon
There's no obesity epidemic, you need to stop fat shaming

Pookum
Mar 5, 2011

gaming is life
i make a deece six figgies at my comfy WFH IT job and i put all my extra money in chick fil fa (CHFLA)

sad question
May 30, 2020

Everyone is putting "no conservatives, all natural" on food labels. But maybe it's good to stop food from going bad? Oh great, my natural food has shriveled and started rotting after one day, thank god I didn't eat a conservative though! Who gives a poo poo anymore, our bodies are probably like 10% plastic and full of chemicals anyway.

Edit: In retrospect I may have confused "conservative" with "preservative".

Xenocides
Jan 14, 2008

This world looks very scary....


sad question posted:

Everyone is putting "no conservatives, all natural" on food labels. But maybe it's good to stop food from going bad? Oh great, my natural food has shriveled and started rotting after one day, thank god I didn't eat a conservative though! Who gives a poo poo anymore, our bodies are probably like 10% plastic and full of chemicals anyway.

Edit: In retrospect I may have confused "conservative" with "preservative".

Eat more conservatives.

Weka
May 5, 2019

That child totally had it coming. Nobody should be able to be out at dusk except cars.
American millennials are huge spoiled babies who are absolutely heartbroken about being maybe only the second best off people ever anywhere.

Poohs Packin
Jan 13, 2019

Beartaco posted:

I think golliwogs are okay



They aren't.

Whats funny about this poo poo is that its always fuckstains like Jeremy Clarkson defending this garbage when the vast majority of the world doesnt care about a stuffed doll from the 1900s. Like, why cling to it? It was never meant for you.

Its a practically ancient children's toy. No kid wants this for Christmas or any other holiday. The only reason these are relevant at all is because weird white brits and aussies who fetishize british nationalism wont let them die.

Those aren't the people that get to decide what is and isnt racist.

Samuel L. Hacksaw
Mar 26, 2007

Never Stop Posting
I heard that line in Hotel California, "you can check out any time you like/but you can never leave" and I thought 'that is a good business model'.

ChunTheUnavoidable
Sep 27, 2021

Sex work is a social blight that ruins lives. Turning affection into a commodity is a terrible, sad thing. I think a lot of the most vocal activists represent a minuscule outlier who are doing online stuff with zero resemblance to actual sex work as a lark, and they use that position to whitewash the horrifically violent and demeaning conditions most people work under. There is no positive, freeing way to do it. The violence and suffering will always be baked into it because when a john can use money to make someone have sex with them, they’re conditioned to think that they own that person and have a right to hurt them.

sigher
Apr 22, 2008

My guiding Moonlight...



Colonel Cancer posted:

There's no obesity epidemic, you need to stop fat shaming

Sounds like someone hasn't been to the US.

Also fat is gross, lol

Sir Sidney Poitier
Aug 14, 2006

My favourite actor


Poohs Packin posted:

Its a practically ancient children's toy. No kid wants this for Christmas or any other holiday. The only reason these are relevant at all is because weird white brits and aussies who fetishize british nationalism wont let them die.

Those aren't the people that get to decide what is and isnt racist.

Until 2001 it was the mascot of one of the most popular brands of jam. As a child I remember my mother explaining why it was racist.

My conservative opinion is that tax avoidance is fine.

Archer666
Dec 27, 2008
Obesity is bad and steps should be made to eliminate it. Being jovially plump is okay and should be celebrated.

Endorph
Jul 22, 2009

Archer666 posted:

But here comes my conservative opinion: Its never too late to learn how to handle your money, to build a modicum of self-restraint when it comes to spending. It's what I did and I'm not anyone special.
i mean, how? if youve internalized the idea that feeling and living this way is normal you aren't gonna suddenly think its something you can do anything about.

eSporks
Jun 10, 2011

ArbitraryC posted:

I feel like on these forums and the internet in general people often just throw up their hands about issues like student debt because it's never gonna be truly solved until there's a fix from the top down, and this mentality bleeds into a learned form of helplessness. As a millennial I completely understand the deck was stacked against us but at this point many of the causes are known, just pass on the wisdom of our generation. An easy example is I do tutoring as a side thing, for money back in college and now mostly as a community service and one thing I tell various college or gradschool hopefuls enlisting my services is to look at the cost and expected return, the reality is most high school/college students looking at college or grad school have learned something like simple interest formulas and you can show them in calculations they understand what longterm student debt looks like and as I've been doing this so long I've seen the results of this firsthand. Giving practical advice about how not to get caught in common traps or how to dig your way out of them is good and it's good to talk about it, whereas this sort of thing commonly gets dismissed as punching down or judgmental in the social spheres that purport to fight those very issues.
I think this is actually a very leftist view, or at least a place where there is strong overlap. It might be a place where there is common ground behind the oversimplified talking point.
Learned helplessness is absolutely a thing. The thing is though, people don't get out of it, or other bad situations on their own. The whole idea of self-help is largely flawed, humans are social creatures and we gain a lot by learning from our peers and being involved in positive environments. Its awesome that you try to teach financial responsibility to others, and its awesome that many seem to be receptive to it. Helping each other is exactly what this country needs more of.

The issue with the conservative mindset, is that it places all this responsibility on the individual to help other individuals, like you mentoring college students. But not everyone has people around them like that. Poverty, mental health, and other issues caused by inadequate education or upbringing can often mean isolation or that those people socialize with others in their predicament without the skills to get them out of it. The typical conservative talking point of "bootstrapping" also serves to absolve the individual of their responsibility to help others in need.

You actually are helping others in need though, and through an institution the left wants to give more people access to. Community is everything when it comes to prosperity, and by putting all the responsibility on the individual to change without guidance or support from peers, it just further alienates them for the resources that might be able to help them.

Archer666
Dec 27, 2008

Endorph posted:

i mean, how? if youve internalized the idea that feeling and living this way is normal you aren't gonna suddenly think its something you can do anything about.

What...? People change over time, when they're exposed to new people or ideas that can override their old beliefs/internalizations. That's kind of basic human stuff...

Weka
May 5, 2019

That child totally had it coming. Nobody should be able to be out at dusk except cars.

Samuel L. Hacksaw posted:

I heard that line in Hotel California, "you can check out any time you like/but you can never leave" and I thought 'that is a good business model'.

Selling heroin has traditionally been very profitable, yes.


ChunTheUnavoidable posted:

Sex work is a social blight that ruins lives. Turning affection into a commodity is a terrible, sad thing. I think a lot of the most vocal activists represent a minuscule outlier who are doing online stuff with zero resemblance to actual sex work as a lark, and they use that position to whitewash the horrifically violent and demeaning conditions most people work under. There is no positive, freeing way to do it. The violence and suffering will always be baked into it because when a john can use money to make someone have sex with them, they’re conditioned to think that they own that person and have a right to hurt them.

A friend of mine works as a prostitute and her experiences have been positive. The brothel she works at doesn't let you choose which of the women working there you sleep with and is by her account very supportive. She was (not sure now) working another job too but even if she couldn't find other work she's lived perfectly comfortably on the dole before. She has always been very sex positive and lacked any appreciable hangups or societal stigmas. This is New Zealand though so not only is prostitution legal but outside of people with mental health issues abject poverty doesn't really exist.

ChunTheUnavoidable
Sep 27, 2021

Weka posted:

Selling heroin has traditionally been very profitable, yes.

A friend of mine works as a prostitute and her experiences have been positive. The brothel she works at doesn't let you choose which of the women working there you sleep with and is by her account very supportive. She was (not sure now) working another job too but even if she couldn't find other work she's lived perfectly comfortably on the dole before. She has always been very sex positive and lacked any appreciable hangups or societal stigmas. This is New Zealand though so not only is prostitution legal but outside of people with mental health issues abject poverty doesn't really exist.

That’s a really interesting perspective, thank you for sharing it. I think a social safety net really goes a long way towards mitigating the worst effects of the sex industry along with a lot of other problems. The only close friend I have who used to be in the industry was basically pressured into it by older “friends” shortly after she left her parents’ house after graduating high school and dealt with some really awful experiences over the years. She finally got out a couple of years ago but it pretty much ruined her life. Once you’ve been in it for a while it’s almost impossible to get a job outside of soul-killing poverty wage positions. Most of the other people I’ve known over the years who were involved in it were drug addicts who couldn’t support their use with a minimum wage job.

My mom sometimes does volunteer counseling for a nonprofit that helps sex workers find legitimate jobs that pay a living wage and from what she’s told me and what I’ve heard from my friend, once you’re in the industry in the U.S. it is extremely difficult to get out. I definitely don’t think blanket prohibition would do too much to mitigate it though— the best thing is to implement a good social safety net like in New Zealand so that people don’t have to choose between selling themselves or missing their rent payments, and the people running the operations can’t afford to exploit the women under them with quite as much impunity. I had never even considered the idea of prohibiting johns from choosing but that seems like a really wise policy to me

ChunTheUnavoidable fucked around with this message at 22:13 on Oct 19, 2021

Who What Now
Sep 10, 2006

by Azathoth
Calzones are a casserole and not a pizza.

Methanar
Sep 26, 2013

by the sex ghost
strawmanning billionaires as the reason society is bad is really not that different than strawmanning mexicans and muslims as the reason society is bad

Who What Now
Sep 10, 2006

by Azathoth

Methanar posted:

strawmanning billionaires as the reason society is bad is really not that different than strawmanning mexicans and muslims as the reason society is bad

How so?

Methanar
Sep 26, 2013

by the sex ghost
all government is bad and its actually not good or woke or informed to trust that government agencies in full damage control mode issuing statements reviewed and approved by behavioural pyschology phds or pharmaceutical giants with broad liability waivers rushing to be first market of a captive global market are acting in your own best interest.

35 year old politicians streaming video games on twitch in an attempt to exploit parasocial relationships and abuse impressionable young people into believing politicians are their personal friend is bad.

the patriot act is bad and capitalized on public shock support to be pushed through and so are the permanent reduction in civil liberties pushed through by and capitalized on by public shock support around covid

the american police state is bad

authoritarianism is extremely popular across the political spectrum and mainstream and thats bad

buy a gun

Methanar fucked around with this message at 00:44 on Oct 20, 2021

Hell Yeah
Dec 25, 2012

yes i also hold every single conservative viewpoint lol

Samuel L. Hacksaw
Mar 26, 2007

Never Stop Posting
I get mad when people ask what I'm so scared of because it's impolite for me to tell the truth.

eSporks
Jun 10, 2011

Samuel L. Hacksaw posted:

I get mad when people ask what I'm so scared of because it's impolite for me to tell the truth.
Just tell them you are scared of telling the truth. Bonus effect of helping you identify androids, if you are scared of those.

ChunTheUnavoidable
Sep 27, 2021

ALL people must go to prison immediately— forever

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sigher
Apr 22, 2008

My guiding Moonlight...



Hell Yeah posted:

yes i also hold every single conservative viewpoint lol

Do conservatives really hate the police state? I thought that was their thing.

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