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Anon tries to understand credit scores
(sh.itjust.works)
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this post was submitted on 27 Dec 2025
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you can't afford a car if you only saved up 10K over 3 years.
Ideally yes, but on top of your normal expenses socking away $800/mo is a ton, especially since we're almost certainly talking about a young adult, fairly freshly on their own who's probably only making around 30-40k per year. When each paycheck is under a thousand dollars every couple of weeks that money disappears fast especially with the financial discipline one can realistically expect of a young adult
I don't think I was super human and I had zero issues saving $1200/mo on a 2.2k/mo salary.
but i lived with multiple roommates, ate cheap food, and didn't party.
Hey that's honestly super awesome. Most folks don't have that kind of financial discipline when they're young.
When I was first on my own I was just proud that I was a able to pay extra on my possibly-illegal car loan that I got from a place that was shut down a couple of years later for credit fraud
Most folks I know who were bad with money... had rich parents. So it didn't matter really if they had any discipline or not. They were going ot get bailed out either way, and did, repeatedly.
I can't speak to what goes on in other people's heads. But a lot of people rationalize totally distorted beliefs about money and I can't say I agree that taking on 100K of debt makes any sense if you don't have a clear plan on how to become employed and earn a salary as such to pay that back. Life is about choices and consequences... and for some reason on lemmy people feel like those things should be totally disconnected.
There are also so many alternatives. I just walked my nephew through college application process. He could have gone to a few schools for free, but he decided those schools were 'below' him and he would rather take on debt to go to fancier schools out of pride and arrogance. That's his choice, and I hope it works out for him, but in 5 years if he is crying poor w/ 100K of debt in a 50K job, I am not going bail him out of his own mistake. I knew plenty of people that went to 'lesser' schools for free, and those who went to expensive schools with zero aid and f'ed themselves for life'. The former are a lot happier and chiller than the latter.
But you know what, if my nephew suddenly has cancer or a car accident and has to drop out and has 50K of debt from his choice, I'd probably feel pretty bad for him and help him out. Sometimes shit does happen that is beyond your control.