- April 13, 2024
- Posted by: legaleseblogger
- Category: Related News
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### Is the OP Being Insensitive?
It seems like the OP might be lacking empathy in their posts. They are questioning if others are doing well with their significant savings, incredibly low mortgage rates, and lack of debt. It’s hard to understand the intention behind these posts other than possibly making others feel inadequate.
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****** just grabbed a
I like the Bogleheads forum. Good forum generally, but one of the posts recently was amusing.
Basically went like this:
*Have no debt, 51 year old, and have $10 million in stocks. Plan on selling $2 million this year and just holding that in a HYSA to draw on. Any issues with that? Just wondering if I’m going to be okay and will have enough to live on. Trying to keep our expenses modest, perhaps no more than $200k a year.*
I didn’t reply, but thought, oh damn bro, I hope you like eating ramen and taking the bus.
I usually assume that’s the norm on social media platforms. Usually you’ll get the outliers with people doing really well and “humble bragging” or those doing poorly.
It makes sense to me. They may be people that tend to worry too much, and that part of them is what drove them be debt-free, have high savings, etc..
Some brag and some people really dont know if they are good or not. Not like you know how everyone else is doing lol
When you save all of your money and don’t go out with friends, you need validation from super savers on Reddit.
“After maxing both our 401k’s, IRA’s, and HSA’s, and putting $2500/mo each into brokerage accounts every month we only have $8,000 left over to handle housing and food. Are we poor because we still have to look at price tags occasionally?”
It depends on the community you surround yourself with. It’s easier to find yourself in an echo chamber when everyone around you seems to be doing better. It definitely can seem out of touch, though.
I see why it might seem like these comments are meant to make others feel inadequate. However, I’d like to present a different perspective. Even individuals who have enough savings, no debt, and good incomes are dealing with feelings of not having enough. They too are worried about not performing well financially. This reflects a broader economic issue that instills a sense of worry and fear among people who are otherwise financially stable.
While it seems this is the case a lot of times, I will say that it’s all relative and everyone’s idea of “being okay” is a bit different. I’m living my “dream salary” from 10 years ago currently. Like, I never thought I would see a number like that, but growing up poor and scraping by for years keeps me in the mindset that I’m never “okay” financially. Even though on paper it looks good for now, I am always worried it’s not enough. Tough thing to break.
But TBH I kinda understand. In this economy and where we are heading, the usual “middle class” or even “high/upper middle class” income is just not cutting it for a family, especially if there are more than 1 kid.
Edit: typo
People love to brag on Reddit. Saw a post yesterday saying “is a 750 credit score low?” Or my favorite “is 100k a year bad for a 21 year old?”
Personally, I blame retirement sites that are constantly telling you that you’re not saving / doing enough for retirement — even Vanguard, which I like does this. It creates anxiety. People just want reassurance.
Come on over to the poverty finance sub ☺️
Tone deaf? You realize this sub isn’t supposed to be a big crybaby circle jerk about how hard it is to be middle class?
Most of the middle class is doing fine. If they’re not, they’re either overspending or they’re not middle class.
You’re perfectly happy to listen to whiners bitch, but a regular dude needs help figuring out his asset allocation, and here you come with your pitchfork. 🙄
Yeah, I like to ask about their actions and not the results they are experiencing right now.
Are you saving and investing?
Are you careful about debt?
After all, we all know idiots w $1mm at 35 that end up broke by 40 because of their actions.
And a 28 year old with $100k that saves n invests 20% of their income and drives a paid for car, is going to be fine at 60.
I don’t understand everyone in the comments saying that this all seems to be reasonable confusion. If these posters actually read a couple posts here, they would have a pretty good idea of where they stand
its likely a lot of people who dont have anyone else to be happy for them.
If this was the povertyfinance subreddit, I would agree but people in the middle class don’t have to be struggling financially to post here, do they?
People are in different scenarios than you, and the people around them may look like they’re way better off than the poster.
For instance: A lot of my friends are a couple years older than me and so it looks like they’re doing way better than my wife and I. It looks like we may be behind to us, because what we have to compare to seems farther behind some of our friends. In reality we’re doing great but it might not look like that all the time to us.
This group should be somewhat more optimistic about their financial situation than some other finance groups on Reddit. I’ll stand by that.
https://www.businessinsider.com/money-dysmorphia-why-wealthy-people-dont-feel-rich-2023-12?amp
I haven’t really felt this way until the post earlier today about a couple in their 30s paying off their mortgage and feeling ‘behind’.
Not everyone posting those fit your description, though. Some people posting actually do need advice.
I’m 6ft 6, make 20 million a year. I am in great physical shape, i.e., have a six-pack and very low body fat percent. I married a super model. My 4 million dollar home is paid off, and I am thinking of selling my software company for 6 billion dollars.
I was wondering if you think I should buy a Tesla?
Do you think it would be too much?
So are you having an issue with people who are middle class by all accounts that are son g well asking if there is anything they can improve?
Should you only ask for advice if you’re doing terribly and one step away from losing your home?
It sounds like you’re annoyed that people are doing better than you are and are coming to a sub dedicated to people in their income range to ask for advice.
Maybe a sub where people make less and are struggling more is where you’d feel more comfortable?
I don’t know. It doesn’t bother me. This is a middle class sub. Not a middle class but just barely and you have to be struggling to ask questions sub.
i understand the “tone deafness” of it but also this is a middle class reddit community. Middle class is usually not drowning in debt but they are actually curious of how they are doing because everyone’s finances are so different.
Comparison is the thief of joy.