I not once said spending $70 on dinner should never happen in any situation. I’m not sure how you deduced that. We’re talking about folks here that are living paycheck to paycheck or bitching about being broke or poor or not being able to afford a house. Its fine to splurge once in a while if you can afford it, but the point here is folks who can’t afford it and make it a regular occurrence.
Its one of the first things that I go over with young clients in the office. You “should” have anywhere between 3-6 months of living expenses in emergency savings. Sometimes it’s a bit aggressive but I would venture to say most don’t even have 1-2 months saved which can total anywhere between $5-10k at minimum. And not $5-10k to draw from for fun or that in your 401k, but cash or CDs in which you WILL NOT touch unless you have to. But not everyone wants to hear the brutal facts and make the necessary changes in order to be financially stable. To be honest a I see a lot of millennials spending more discretionary money than my HNW clients do. Its a crazy thing to observe.
It’s all where you place your values. To me, $67 on dinner and drinks for myself is an obscene amount of money. I can’t say I’ve ever spent more than $30 on dinner for myself anywhere, and to me, $10+ for a drink is not at all worth it.
If you justify going out every weekend and spending $150-200 on a night of drinking and Ubering then I would suggest maybe either re-evaluating some of the choices you make or stop complaining that you’re broke and can’t afford to buy a house and blame others for your financial instability.
They are harsh words but if you want to get ahead financially, you can’t be making these decisions IF you can’t afford to. Just because you’re net positive $500 on a paycheck doesn’t mean you should just go out and blow it all because you “can.” That’s my point. I run into folks every day who need financial guidance and it’s never an easy discussion going over their spending and realizing how reckless it is. Create a monthly budget and set aside a portion of the paycheck for savings and then feel free to do whatever with the rest. But I’m just tired of people complaining about finances when they’re spending recklessly (at least in my eyes.)
Hot take alert: Learn how to manage money better. Some of the things I see people our age spend their money on just boggles my mind. $500-$1000 to go to a wedding or bachelor/ette party? $200 at bars over the weekend? $78 on an Uber? $67 on dinner and drinks at a taco joint? I see it on here with the “What I spent this weekend” series occasionally and sometimes it just confuses me to no end. Everything is “keeping up with the Joneses” and making our lives look better financially than they really may be. That’s not just a generational problem anymore, however, but social media really has thrown people’s finances for a loop, in my opinion.
I just like trying different beers sometimes. But you’re right, I think I’ve only had like 1 or 2 craft beers more than once; ones I found actually worth it and that were good enough. $15 for a 4 pack of cans? No thank you, I’ll stick to Harpoon.
What’s even worse is when I started seeing #FlashbackFriday and the worst yet, #WayBackWednesday. Like Jesus Christ where did you even come up with that? We get it, you just want another reason to post something about yourself but it just looks super desperate and not subtle at all.
I usually just say “huh I have no idea I don’t follow politics” (even though I do on a daily basis.) Maybe makes me look ignorant idk but it’s better than voicing your opinion cause we all know if you don’t agree with a certain ideology you’re just plain wrong.
Agreed. I have pretty strong opinions but there’s no point in discussing with the opposition if it’s family. You’re not going to change anyone’s mind and who gives a shit what they think you think? My girlfriend’s family has made comments that make me cringe but I just smile and nod and it passes over. Who cares, it’s not a big deal, they’re gonna think what they want whether they’re RIGHT or wrong (heh see what I did there) and it literally doesn’t matter what anyone thinks. It’s not going to change the world lol.
Lapel pins aren’t a big deal for me. I like a nice American flag pin or a variation. My firm has an American flag/firm name flag combo pin that looks pretty sharp.
I don’t know if it elicits “thought” put into my outfit but I’ll keep my navy BOSS suit, white shirt and blue tie over anything with a tie bar. You may not think I put any thought into but it sure as hell looks sharp and people who know will notice. Annnd I’m out of douche for the day.
Name checks out. The lapel pin/flower and pocket square should be saved for, and only when, you’ve “made it.” Same goes for getting your shirts monogrammed.
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I not once said spending $70 on dinner should never happen in any situation. I’m not sure how you deduced that. We’re talking about folks here that are living paycheck to paycheck or bitching about being broke or poor or not being able to afford a house. Its fine to splurge once in a while if you can afford it, but the point here is folks who can’t afford it and make it a regular occurrence.
Its one of the first things that I go over with young clients in the office. You “should” have anywhere between 3-6 months of living expenses in emergency savings. Sometimes it’s a bit aggressive but I would venture to say most don’t even have 1-2 months saved which can total anywhere between $5-10k at minimum. And not $5-10k to draw from for fun or that in your 401k, but cash or CDs in which you WILL NOT touch unless you have to. But not everyone wants to hear the brutal facts and make the necessary changes in order to be financially stable. To be honest a I see a lot of millennials spending more discretionary money than my HNW clients do. Its a crazy thing to observe.
It’s all where you place your values. To me, $67 on dinner and drinks for myself is an obscene amount of money. I can’t say I’ve ever spent more than $30 on dinner for myself anywhere, and to me, $10+ for a drink is not at all worth it.
Glad somebody sees my point….
If you justify going out every weekend and spending $150-200 on a night of drinking and Ubering then I would suggest maybe either re-evaluating some of the choices you make or stop complaining that you’re broke and can’t afford to buy a house and blame others for your financial instability.
They are harsh words but if you want to get ahead financially, you can’t be making these decisions IF you can’t afford to. Just because you’re net positive $500 on a paycheck doesn’t mean you should just go out and blow it all because you “can.” That’s my point. I run into folks every day who need financial guidance and it’s never an easy discussion going over their spending and realizing how reckless it is. Create a monthly budget and set aside a portion of the paycheck for savings and then feel free to do whatever with the rest. But I’m just tired of people complaining about finances when they’re spending recklessly (at least in my eyes.)
Hot take alert: Learn how to manage money better. Some of the things I see people our age spend their money on just boggles my mind. $500-$1000 to go to a wedding or bachelor/ette party? $200 at bars over the weekend? $78 on an Uber? $67 on dinner and drinks at a taco joint? I see it on here with the “What I spent this weekend” series occasionally and sometimes it just confuses me to no end. Everything is “keeping up with the Joneses” and making our lives look better financially than they really may be. That’s not just a generational problem anymore, however, but social media really has thrown people’s finances for a loop, in my opinion.
My guess is GR. It’s a short and popular trip from the Chicago area and a ton of breweries to see. An extra 2 hours up to TC, but who knows.
I just like trying different beers sometimes. But you’re right, I think I’ve only had like 1 or 2 craft beers more than once; ones I found actually worth it and that were good enough. $15 for a 4 pack of cans? No thank you, I’ll stick to Harpoon.
What’s even worse is when I started seeing #FlashbackFriday and the worst yet, #WayBackWednesday. Like Jesus Christ where did you even come up with that? We get it, you just want another reason to post something about yourself but it just looks super desperate and not subtle at all.
“Is that Nader guy still going strong?”
I usually just say “huh I have no idea I don’t follow politics” (even though I do on a daily basis.) Maybe makes me look ignorant idk but it’s better than voicing your opinion cause we all know if you don’t agree with a certain ideology you’re just plain wrong.
Agreed. I have pretty strong opinions but there’s no point in discussing with the opposition if it’s family. You’re not going to change anyone’s mind and who gives a shit what they think you think? My girlfriend’s family has made comments that make me cringe but I just smile and nod and it passes over. Who cares, it’s not a big deal, they’re gonna think what they want whether they’re RIGHT or wrong (heh see what I did there) and it literally doesn’t matter what anyone thinks. It’s not going to change the world lol.
Also, please stop using the term “Bizzy Dev,” it’s not making you look any cooler in your “executive management” role.
You keep rolling your sleeves up to your elbows then, hombre.
Nothing wrong with a double-cuff roll, but all the way up to the elbow looks like you’re at the high school homecoming dance.
Lapel pins aren’t a big deal for me. I like a nice American flag pin or a variation. My firm has an American flag/firm name flag combo pin that looks pretty sharp.
I don’t know if it elicits “thought” put into my outfit but I’ll keep my navy BOSS suit, white shirt and blue tie over anything with a tie bar. You may not think I put any thought into but it sure as hell looks sharp and people who know will notice. Annnd I’m out of douche for the day.
So what? That took long hours.
Name checks out. The lapel pin/flower and pocket square should be saved for, and only when, you’ve “made it.” Same goes for getting your shirts monogrammed.
He only had 1 weak cocktail apparently, as “strongly” evidenced by his 17-post long IG story.