Comment on I'm working on it, ok?

insufferableninja@lemdro.id ⁨2⁩ ⁨years⁩ ago

• Avg@lemm.ee ⁨2⁩ ⁨years⁩ ago

  When you are living paycheck to paycheck, that number is probably the same.

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• db2@lemmy.world ⁨2⁩ ⁨years⁩ ago

  And when 6 months of expenses exceeds 6 mounts of pay?

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  • phdepressed@sh.itjust.works ⁨2⁩ ⁨years⁩ ago

    Then you’re boned without help or better pay.

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    • db2@lemmy.world ⁨2⁩ ⁨years⁩ ago

      Had me in the first half. 😢

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  • PatMustard@feddit.uk ⁨2⁩ ⁨years⁩ ago

    If your expenses are more than your pay then you can either get a better paying job, cut your expenses by moving, or die

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    • fadedmaster@sh.itjust.works ⁨2⁩ ⁨years⁩ ago

      There are other ways to cut expenses too. I’ll bet a lot of people (not all, but a lot of them, maybe even a majority) are paying for things they don’t need when they’re living paycheck to paycheck. Things like Spotify, Netflix, fast food, car washes, probably even car payments on a car that is beyond their means or at the least way more car than they need.

      Every friend of mine I’ve helped get to a financially stable and responsible point in their life could do it without having to increase their income. Obviously an increase in income makes it a lot easier to do this, but if you don’t have the behaviors down, then you’re just going to creep your lifestyle when you make more money.

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      • FlyingSquid@lemmy.world ⁨2⁩ ⁨years⁩ ago

        paying for things they don’t need

        What you mean by ‘don’t need’ is ‘don’t need as long as they don’t want to have a slightly better level of life quality than if they were dirt poor.’

        You don’t literally need things like Netflix or fast food, but they make your life more tolerable right now so that you don’t die of the endless stress and misery before you can retire.

        Sure, there are ways some people can cut expenses. There are also ways people could cut expenses, but at the expense of their own basic mental health.

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      • PatMustard@feddit.uk ⁨2⁩ ⁨years⁩ ago

        You are correct, of course; I’m being facetious because half the comments here seem to be from people who are renting somewhere that costs their entire salary

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• ramble81@lemm.ee ⁨2⁩ ⁨years⁩ ago

  And for the people who that is the value?

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  • Lowpast@lemmy.world ⁨2⁩ ⁨years⁩ ago

    Then you save 6 months expenses.

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• Conyak@lemmy.tf ⁨2⁩ ⁨years⁩ ago

  Also, 6 months may be more than needed depending on your field. If you lost your job today how long would it take you to find a new one? It could be six month but maybe less. I keep 3 months of expenses on hand because it has never taken me more than a month to find a different job.

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• Empricorn@feddit.nl ⁨2⁩ ⁨years⁩ ago

  Do- do you think I don’t have to spend most of my pay every month just to survive…?

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