26 is trash return. So you are a hypocrite
Debt jumps to 12 year high!!! Dumb consumers just keep consuming !!
- Thread starter S2007S
- Start date
26 is trash return. So you are a hypocrite
Nearly a quarter of all subprime auto loans are 90+ days delinquent. Why?
https://wolfstreet.com/2020/02/11/s...eres-no-jobs-crisis-these-are-the-good-times/
https://wolfstreet.com/2020/02/11/s...eres-no-jobs-crisis-these-are-the-good-times/
If it takes you 10 minutes each way to drive to the smoothie place, plus an additional 10 minutes of getting ready and out of the house, waiting in line... then you spent 30 minutes of your time. I don't know about you, but I earn way more than $35.74 an hour. So not spending $17.87 to avoid wasting 30 minutes of my time that could be used far more productively is objectively foolish on my part. Heck if it saved a total of even 10 minutes it's definitely worth $17.87. You gotta start valuing your time properly, it's life changing.
That is right....hopefully
Median household income is approximately $62,000 in the US And of course with sky high prices of goods and services even those making $70k $85k or even $97k are living paycheck to paycheck. If you value your hourly dollars and think that standing in line for a smoothies is money you can be earning than you must have a wicked lifestyle of practically handing off nonsense tasks to other individuals, like household cleaning, car washes, cleaning your gutters, maybe even shoe shopping and Q-tip buying.
No one using this service breaks it down where their time is more valuable where stepping out would cost them more money than ordering the service through door dash or grub hub. They look at it as convenience, convenience by spending more for a service over saving money will shift once the job market and recession comes. Right now people will drop stupid money for convenience but once you have to tighten the spending habits the first things to go are usually $17.87 smoothies.
I run my own business. Every extra hour I devote to that is an hour I make a hell of a lot more than $35. But I could be a construction worker or a factory employee who could volunteer for overtime, same difference. And yes, I absolutely pay someone else to clean my house, I take my car through the car wash, pay someone else to risk their neck on my gutters, pay Jiffy Lube to change my oil.... Basically everything else that I could and at one point in my life did do when my time was worth less than $35/hour, but it is now horribly inefficient and in fact moronic to do myself when others can do it for significantly less than my opportunity cost and since they have all the right equipment, training, and experience can actually do it faster and better than you or I. And I buy most of my stuff on Amazon unless I actually enjoy shopping for it, why waste time going to a drug store to buy Q-tips? And this is a guy who has rebuilt carburetors and changed head gaskets and the like, I'm mechanically inclined and not afraid to get dirty, that's not the point. Now I only do that if I will enjoy doing it (and still sometimes do, I did some work on the car last weekend with my teenage son and we talked about this very thing), not because of a false sense of economy.
Not only is this not a wicked lifestyle, the fact is that I can do this precisely because I look at the world this way. It requires a conscious change in the way you think about your time, but being deliberate about your time and it's value truly is life changing. I can't recommend it enough.
Unfunded, yes but guaranteed by your Government (ERISA)
Unfunded, yes but guaranteed by your Government (ERISA)
That worked till now. Just till now.