- November 24, 2023
- Posted by: legaleseblogger
- Category: Related News
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How AI Legalese Decoder Can Help with the Struggles of the Modern American Middle Class
Vox recently published an insightful article highlighting the challenges facing the modern American middle class. The article delves into the rising costs of living, stagnant wages, and the increasing difficulty of achieving upward mobility. These issues have been exacerbated by the current economic climate and the impact of the COVID-19 pandemic.
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****** just grabbed a
That article is a story about delusional people who have no idea why they can’t save money even though they’re covering her parents monthly mortgage and bills as well as putting her two kids in an expensive private school.
It’s about a middle class family that thinks they’re an upper class family.
It’s a horrible article, like most things from vox are.
What a silly article.
Turns out Delia’s broke because they’re paying for TWO private school tuitions on a teacher’s and construction worker’s salary.
Sometimes I think the people who write these articles find the dumbest examples just to troll us.
Poor Delia and her combined $160k/yr salary. Paying a $3300 mortgage on what I can only assume is some kind of mansion and sending both her kids to private school. Cry me a river.
I read this article weeks ago and I was happy to see this posted. IÔÇÖm surprised at the negative comments though… the point of the article is that many in the middle class think they have enough money to do what they want or to keep up with everyone else and theyÔÇÖre too afraid or ashamed to talk about the struggle of it. They make enough to be middle class, but theyÔÇÖre spending themselves back into poverty and they donÔÇÖt know how to turn off the faucet without appearing poor.
I made it out of poverty by not caring that I didnÔÇÖt have the same car or the same handbags and clothes as my coworkers. I sent my kids to public school and have received plenty of sneers for it. I took one big family vacation and paid for it for years… which was a great reminder that I shouldnÔÇÖt do that again.
ItÔÇÖs hard to be middle class because you think that everyone has it better than you, but itÔÇÖs mostly an illusion.
Thanks for posting, OP. I think that this is a great article and I think that we all need to set aside our pride for a minute and really think about it.
TLDR: some people are really bad with money.
It’s crazy to read that a household with two incomes, that makes 4x more money than I do, can only afford to invest 1/10th of what I can.
I’m all for the “fake it till you make it” mentality, I got the job I have today because I dressed like someone I wasn’t and made up a couple things on my resume. I knew I had the skills, but the experience was all faked. But you can’t do that with money! You can’t pretend to have more money than you do. When I made up my resume, I was tricking the employer. When you make up your finances, the only one you’re tricking is yourself.
I grew up poor. I had to get a job at age fifteen, and I paid about $750 a month in bills for the house (over $1,000 in today’s dollars). Today, I don’t make a ton of money, but my “fixed” expenses are pretty much exactly the same as they were back in 2005 when I started tracking.
I pay less for my mortgage now than I did for rent. My food costs are MAYBE $20 more per month. My cell phone is 1/4 the price. My gas costs are lower. My utilities are about the same. I really haven’t noticed any sort of inflation in my life for the last fifteen years.
So as my income rises, so do my savings. I went from saving 0-5%, to now 45-50%. Consequently as my savings rose, my “poverty” card was taken away. Since my cars are paid for, I have a decent house, and I take 3 week long vacations, I’m being accused of being middle class.
But really, nothing has changed. If you look at my life on a spreadsheet, the spending stays the same. My cars are paid for because I got a good deal on a cash offer. I only bought a house because I came across a distressed seller who basically paid me to buy the house (sold it 15% below market, paid my down payment, closing costs, and gave me $8k in cash), and the reason I take long vacations is because I live so far from family that a few days is hardly worth the trip.
I guess I’m “accidentally” middle class. I never set out in life with that goal in mind. Almost all of my friends are paycheck to paycheck and they have nothing, because that’s what I came from. That’s what I identify with. My networth is easily 5x greater than my five closest friends combined, but they have no idea.
The picture this article paints, that of so many people who “borrow” their way into a middle class *appearance,* only highlights the issue of establishing class based on income. Or on possessions.
It’s not what you make or what you spend that determines wealth, it’s what you save. This article claims to be talking about the middle class, but every example given was of someone living in poverty.
Downvote and move on
>really good vox article
I didnÔÇÖt even read it and I already know itÔÇÖs not worth reading
Nice article. And for one it does lay some significant blame on the middle class. They continue to make poor choices, though some are very difficult to avoid (like swimming upstream) and strongly inherent to their social class.
Not a fan of Vox, but I’m going to give this one a read anyway as I’m curious about the topic, and the comments here too referencing it.