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How do you deal with being broke?
(lemmy.ml)
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I'm assuming you are in the US. The problem with being broke is it is stressful. Stress impacts decision making, causing a cycle. The US is a capitalist society that educated people to behave as socialists with regards to business, career management, and employment.
The people that REALLY need financial planning advice can't afford it. Those that can use it to go from rich to richer.
The best thing you can do is get some help going through your expenses to see what you can optimize. Once you start getting a little bit of a breather, you will feel a lot better.
I've been following the FIRE community for close to a decade, so if you want, I can probably help you find some fat to trim.