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How are Americans supposed to survive the next 30 years?
(lemmy.world)
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this post was submitted on 21 Nov 2024
137 points (89.1% liked)
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Americans need to budget better and get used to some sacrifices. If you can't ride the waves, you're bound to fall off.
This is a very insensitive and honestly silly comment to make. What makes you think people aren't budgeting? They would have to in order to survive in the world that we live in now but there are major costs that we can't control for example rising housing and rent. Even if we stopped dining out every single day forever, and never got sodas or drinks or anything like that, it would still be a struggle to survive because the price of groceries keeps going up due to corporate greed, it has absolutely nothing to do with people not budgeting. When you budget, and things keep rising in that budget, that's a huge issue
For example, if I budgeted 100% of my income out as 30% groceries, 70% savings, from the year 2005 to 2024, The percentage for groceries would dramatically increase. It would go 30% groceries in 2005, 45% groceries in 2015, 57% groceries in 2024. As you can see, in this simple example, I'm not buying more groceries or changing my investment or budget. All I'm buying is groceries, and the cost of groceries keeps rising infinitely without my pay rising. This is the problem with the idea that budgeting can help you.