Why are most people broke?
08.06.2025 00:03
#1 live within your means
He was the rich kid with parent -family problems and he would do drugs, drink, smoke and was a really fun guy to hang around with in high school. He hated responsibility, hated his parents, and loved to do bad things. I was the poor friend that just had nothing better to do than watch him or be entertained by his life-style. I was too poor. My pocket empty. I could sit in my room with zero money and read books for free at the library…or go for walks, watch my friend drink, smoke, have strange conversation, watch him do drugs, and it was interesting observing and studying him.
My friends slowly were figuring it out how lucky they had it. Some striaghtened out….some stopped bragging to me.. I was slowly grinding… and life threw some curve balls, and kept trying to shake me off.
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YOu probably heard it before like “ BEGGERS CANT BE CHOOSERS” lol
Beggers cant be chooser..
You do your job and go home. You dont got to worry about the company future, paying your insurance, scam artist , thieves, managing people, making sure your employees are safe, paid, etc..
Work hard, save, invest then have fun.
I rather prefer a easy life, a good wife, a good life, wayyy less pain in my body, etc..
Thats some “reality check” I swallowed as a teenager… one of the hardest pill to swallow.
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And most other people are simply ,living the dream for now.
but anyway, am thankful that am on “EASY street” now…
(most people make more, start spending more, getting into more debt) but hey, i started to “SAVE MORE INVEST MORE” boring, i know.
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Life happens to all of us. I been hit with problems , bumps, challenges, etc…. but my buffer zone when the boat rocks saves me.
or doing drugs and fighting parents, and ruining the things you have…..
trying to climb or go up a “slippery slope” and, I failed college, and am about 40 ish year old now.
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I rather tell you how most of the rich and wealthy people i know keep and make money.
Then, as you make more money, your fun money starts building up. Then, you have fun.
But, as you see in my order, fun is the last thing i do…and trust me…when I am having fun. .I am wasting money at the bar, buying 7$ beer that i can get for 1$ at the store… you get the point.. FUN goes out first…
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After you save up , rainy-day money, fun money, you also increase - investing money.
FUkk, reality sucks. But, i think, life or god or some miracle or the government rat theory or testing on me ceased and they let me “live a fantasy life now”
maybe, its simply, the “reality” the reality-check and this is as good as it is…
#4 recycle, reuse, repurpose
and, well, my parents had zero money for me. lol So, I got a job.
I started to help my parents out with bills and food… Not that am a “saint” or whatever, nor am i trying to shine a spot light on me. No. I just felt really sad when they didnt have money or had to make sacrifice or was stressed at work, etc… Since, I knew or watched them struggle. Plus, since i was a poor kid, i knew “EVERYTHING cost money” many times, I had to NOT-GET-WHAT-I- WANT.
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I was grinding my minimum wage job…busting my back, scrubbing dishes, cooking, taking out the trash.
Bored in my room doing nothing VS. watching my alcohol fueled , drug frenzied friend, fighting his parents won. And sometimes, he would feed me food because i was too poor that the only thing to eat was white-rice or whatever. lol
And, my poor friends would say “ rich people are lucky they have money or get envious and mad and jealous or think its unfair that others can have the same-problem” but it doesn’t affect the rich as much because they have-money.
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girls who like me, would be told by the group to dis-own me or Not like me….because i was broke. lol
My other teenager friends? Well, they also got a bag-boy job at a grocery store…they made minimum wage too..about 600$ -although my friend tried to 1 up me, and flex or brag that with O.T or he made 650$ or whatever…Anyway, we both got PAID about the same.
I was poor. I had the police trying to shake me down sometimes, my boss breathing down the neck, the other races hating , disliking me, the jealous people trying to ruin my little happiness, the fake friends who wanted company for their misery, trying to get me fired or sabotage my life, the druggies trying to lure me into their dark, dank, hopeless world… the bullies trying to muscle their way into destroying my life. And, I had some people trying to recruit me for their jobs, profession, career path, etc…
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My friends would love to work, get a job, then PARTY or whatever… then, when they lose their job…or pay.. They are struggling hard to find a job or work or whatever..and they still continue to drink and party a bit, even without a job…and stay broke and mad and blame the system.
That pretty much makes you rich. Worked for me.
Anyway, i got a job, and life goes on.
If you are poor and hoping for a better life. Look no further than the “man in the mirror”
lol hahahahahahaha
And forbidden fruits laid before my feet by trappers…like trying to offer me illegal stuff, and trap me into situations…I cant get into that one too much…
Step 2 - Just cause you got a raise, dont mean you do a “life style creep” up… What i mean is:
My life is pretty much on EASY STREET now… which makes me suspicious.
Then, You know, From my point of view, I get to watch “ rich people” smooth sailing, protected in their big house, food, shelter, lights, comforts , and guidance provided by parents…. who have the time and day and energy to care for them.. lol
And, No, If I had better option of friends, rather than my druggy, drunk, and crazy, psychopathic friends…well, i probably would of chosen better.
This is just a based-on-a-true-story of my life. LOL hahahahah
I was busting my life. My life sucked, but I knew, the only way out was to work-hard, earn money.
They said “ everytime we wanna go eat or do something, you have no money!” and fair enough, i was broke, so my friends dumped me. lol
Anyway, I would get paid, working almost full time. And get like 600$ at the time. at 16 year old …that was alot of money to me. I bought food, essentials and saved like 300$. =D
I was the poor guy with 0$ in my pocket and 0$ in my bank account. I watched friends get hook up from other friends, free cars from family, the gravy train, etc… being spoiled by their parents…
Am not sad nor is this a PITY party.
lol hahahaha , maybe this is some twisted karma or revenge on my life.
God, I hate that reality-check….
The benefits of being low-class or low income is . Your job is pretty easy. Beside the labor.
I was working at some “burger” fast food place.. Then, slowly, and gradually , reality check came.
Being broke means, I got dumped by all my friends…and woman gave me zero chance. HAHAHAHAAHh
so i isolated alot, studied books at the library, felt like i was already in jail without committing a crime.
but , most people life is like “ good times, bad times, ugly times”
And no body really likes hearing about the “REALITY CHECK” like the BILL that comes after a fancy restaurant.
#3 work hard, and save and invest
Living my unique life. Going thru the good-times and the bad times…and the ugly times..
#5 get a side hustle, study, read
I failed school. But, that doesn’t mean its all bad. It means, I have zero to little responsibility. lol
but am kinda old, they old, and the thrill is gone, the light is gone from their eyes, from having failed relationships, many sex partners etcs….
Anyway, after I got a job, I did not want to be “Poor” any more. hahahahaha lol . So, when I got my paycheck I was careful to save, invest, etc… I learned the mistakes of people by how they “GROAN AND MOAN “ about having kids too early, not making enough for bills, gas being expensive, girlfriend problems, drug problems, etc… I mean, people literally tell you how they “RUINED” their lives.
So, my choice of friends was “ traumatized, drunk, druggy, alcoholic, crazy, abusive friends” or homeless and beggers or isolation and myself.
My friend had a video game system, fresh clothes, nice food, nice apartment, etc… but you know, i was his poor friend.
When life , Rocks me…like job loss or whatever… FUn goes out, then my investing, then my saving, then, am left with working hard….
For rule number one!
who likes hearing that? I heard that so many times.
Such as splurging or spending all your money at one place. Or being lazy, or partying too much…etc..
But, I saved my money, and my friend, went to the mall, bought some clothes, fun things… then, he bought some drugs, alcohol, and he invite a group of friends to hang out at the park or whatever “spot” and he would smoke, drink, do drugs, and spend all his money. (He was broke all the time. )
Yea, so I wore “ good will donation clothes” because you know, i guess, i was poor or a begger?
at first, at minimum wage, my bills , rent, car insurance, food, etc… was paid, the essentials…pretty much 90 to 95% of my money was gone, month to month.
As a renter, you can just skip town if you like or move to another location any time.
Overall, I think people have a hard-time because they are not “ALIGNED” with reality. lol
I had hope. But I realistically realized, i have hope…but its gonna suck, and hard, and its pretty much nearly impossible to Thrive in this world.
He would get mad that he didnt get PAID enough and also life sucked…
That 5% would give me wiggle-room when I was making minimum wage.
As I become richer, or got bigger pay or bigger job, my 90% spend on expenses went down gradually over the years, to like 30% Then, my saving gone-up, and also my fun money.
lol ahahahahahah
As life problems and obstacles happen…. The first thing that goes for me is : fun time.
and am like, fukk, man, god, can you give me a easy challenge?
But, in the end, am nothing but me. Just a dude… living one day at a time…
But, no one wanted to be friends with me…especially because I had 0$…
I grew up poor and penny-less. When I was 16 working my minimum wage job. My bank account balance was less than 4$….
but not me…
Yea, I know, if your rich, and got daddy and a team to protect you and your dreams and ambitions and got connections and family ties…..life is going to be a smooth-sailing life…
So, the lesson was: Dont ever make a life plan that goes vertical….its been up and down’s sideways, etc.
Life aint no perfect place. I got a ton of things to whine and complain about. Things to mold me .
I had a nightmare version of happiness and love and sex… such as no-dating, disgust from woman, being too old now, too short, too fat, too ugly, and now, the dating pool is like a dumpster on fire….
After 7th grade, i did not get a allowance…like my friends…so they dumped me. lol
In my 40 years, Everyone I met, has some excuse, reason, unreasonable attitude, resist reality, lazy, druggy, spoiled, etc. Insert the 1000 ways a fool becomes broke.
Dealt with racism, politics, sabotage, fake friends, haters, favoritism, unfairness, crooked people, cheaters, liars, etc…
dating, sex, romance, job, career,
and taking it for granted.
hahahaha, i guess, those movies like clint eassstwood…had the “the good, the bad and the ugly”
You dont start spending… Now, you got to build up a saving nest, invest a bit, try to make more money.
I mean, you can go look for another job, and walk away.
but it sure keeps me from having a miserable time.
Because, they cant stop themselves.
but, instead, you know, now am getting richer or whatever… but nothing will take away the pain, the missed opportunity, the lack of love, attention, romance, dating, happiness..
I guess, they say “ EASY COME , EASY GO” so you know, my friends pissed it away…ruined their golden opportunity, did drugs, partied, did alcohol, etc… ironic…
old woman, with couple kids, used up , washed up woman, etc… i guess, i should be grateful..
I guess, in a way, he was like the royalty and I was like a “peasant” on the bleachers or side line, hoping for “bread” in the circus of life.
Not all homeless, but just look at the “PRIORITY” of most folks..
It challenged me to find grit, save, invest, and didnt matter to me how others had a early start, head-start, or whatever..or how others did it…like them “becoming drug dealers, criminals, liars, thieves”
#2 save a little bit - dont wanna be a miser and miserable nor a splurge that suffers later
but they say “ god gives his strongest soldiers the biggest challenge”
but not me.
Because, rather than tell you 10,000 ways people become broke, i rather tell you the simple things that make you rich.
although, some renters only look at the problem and see that they are finding it hard to afford rent, or whatever.
i hope a young hot woman would see me as a sexy short king and date me but , you know, thats probably just gonna be my “fantasy” that i never get to live.
Then, after you save about 6 months worth of your monthly needs, you invest a bit more, and give your self more than a “WIGGLE ROOM” but room to breathe, and if anything like “car breaking down” or getting a parking ticket or whatever doesn’t cause a crisis or make you juggle your bills and rent and food…
yet, am not depressed or sad…
And, so you know, that helped me …. from making the same-mistakes?
Of course, they graduate some fancy schools and get a fancy job with big pay and big responsibility…
but anyway, peep who look at me now days…. all they say see is some short dude with some money…thats all on the surface….
It was almost as if there are TWO types of people in this world…THE HAVES and HAVE-NOT.
I DID NOT HAVE THE THINGS people bitttched, moaned, groaned, and whined, and ruined themselves….about…
So, I just kept trying, and life kept kicking me down…
But, you get the point.
Then, I was mostly “A DAY LATE AND DOLLAR SHORT” for just about everything..
What, I noticed in most people is : FUN GOES OUT “LAST” kinda like, the homeless still buying beer, drugs and partying and smoking
But, my body hurts. my arm hurts, my knees hurt, my back hurts.
If you can work hard, be disciplined, make sacrifices, swallow some hard truth, endure, take the pain, the punishment, the sadness, smile thru the darkness, fall 7 times and get up 9 times…. have the courage to accept the things you can change, and have the understanding to “LET GO” of the things you cannot change….” you should be alright…
The eco-system is crazy for one-small-fish, like me.
My mexican friends dumped me because I was broke, and my asian friends dumped me because I was broke.
And, they both could not understand each other, and were “distant worlds apart”
Jesus christ or i think the holy bible would give you quotes and there is many famous people with wise words…and am not here to gong that bell that no one seems to hear.
I normally spend about 90% to 95% of my money but save a bit when i was low-income…for rainy days, unforeseen expenses, unexpected friends needing money, wanting to buy something i never seen, etc.
And, No I did not get to go to Movie theaters because it was too expensive. etc..
but not me… I was inbetween the bridge… too poor to party with the rich… and barely had enough to stay afloat from being destitute or hopeless.
anyway, alot of opportunity to become rich…but who really cares about money
Also, renting , as much as people hate that others have a “house” or own it…Owning a home is another level of responsibility, such as insurance, broken sink, water damage, property tax, etc…
This affords you the opportunity to go do whatever you like and not even really care if the building is burning down. You can be like that dog meme with the house on fire, saying “ its fine”
There is sharks trying to make loan offers, brides, gifts-with-strings-attached…. etc…
As you get a higher pay raise or side hustle or whatever.