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A reminder

⁨1040⁩ ⁨likes⁩

Submitted ⁨⁨18⁩ ⁨hours⁩ ago⁩ by ⁨VetOfTheSeas@discuss.online⁩ to ⁨workreform@lemmy.world⁩

https://discuss.online/pictrs/image/b6816741-34c7-4436-8579-0f7ca6287ac0.jpeg

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  • merc@sh.itjust.works ⁨1⁩ ⁨hour⁩ ago

    Being “a millionaire” is outdated. There are plenty of people who are both millionaires and working class. Because the US doesn’t do pensions anymore, people have to invest in 401(k)s and the like. It’s pretty likely that someone can hit $1m through a combination of a retirement fund and a house, but still be working class. In fact, you can be a millionaire on paper but still be vulnerable to homelessness.

    It’s certainly possible to retire on $1m, but it’s not going to be a lavish lifestyle if you’re playing it safe with your retirement fund. If you want to live near family, or if you have any medical issues, or if you might need to support someone else, it might really be impossible to retire with only $1m.

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    • ilinamorato@lemmy.world ⁨1⁩ ⁨hour⁩ ago

      Agreed. I’m actually pretty close to being a millionaire “on paper,” since my house is worth $600k and I’ve got about $100k in retirement. But the house is mortgaged, and I can’t touch the retirement for another 25 years. If I had three very good months, I could probably just barely become a millionaire. But if I had three moderately bad months, I would likely default on my mortgage.

      Replace the "m"s with "b"s and this is spot on.

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      • HaiZhung@feddit.org ⁨45⁩ ⁨minutes⁩ ago

        If your house is mortgaged, you would have to subtract that mortgage from the calculation, would you not?

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      • Alfredolin@sopuli.xyz ⁨1⁩ ⁨hour⁩ ago

        Being hobeless?

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  • uriel238@lemmy.blahaj.zone ⁨3⁩ ⁨hours⁩ ago

    A good concept to pass around is contrived desperation or manufactured desperation. The notion that desperation circumstances like the affordability crisis are intentionally developed by the ownership class so that workers will accept low wages, poor benefits, harsh conditions and abuse by their management and colleagues.

    An extreme fictional example is in the TV series Squid Game. The players quit in the opening episode after they learn that the stakes of the game are their own lives, and only one out player would survive. But then (in the second ep) they return to their prior lives in which their financial situation is so dire, it compels them to return to the game.

    The Epstein child sex ring is a strong non-fictional example of contrived desperation. The girls under Epstein’s employ quickly learned they were being groomed to be sexually exploited. But they were drawn from communities that offered few opportunities.¹ Girls quickly learned that they could escape their dire circumstances at home so long as they agreed to play ball, and be complicit in their own sexual exploitation.

    We’re seeing another example in the US armed forces. All branches are achieving their recruitment quotas. Despite the news of the dire circumstances of the Abraham Lincoln. Despite that the military is deployed in an active theater. Despite that rates of abuse of enlisteds, especially of women, has only escalated since Hegseth’s tenure as SoD and his warrior ethos. Despite that the US is considering putting boots on the ground in Iran and Cuba.

    When the ownership class is sufficiently removed from the working class, it loses touch, and stops empathizing, and then starts contriving desperation to get workers to stay in their place. Unions can be an effective countermeasure, though they are often busted by the political class and the police.

    And that’s because a growing number of people are finding they have no other opportunities to stay above water. People are going into credit-card debt and skipping meals, and working 40+ hours a week. They are three very bad months away from being homeless already, and their numbers are growing.

    ¹ Epstein’s early victims were girls from post-Soviet Russia. During the collapse, the most popular career for young women was wage prostitute and children in the streets offering sexual favors for money were commonplace. It was an entire failing nation of desperate teenage girls.

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    • heartSagan5@lemmy.zip ⁨2⁩ ⁨hours⁩ ago

      That’s a lot of words, and in Idiocracy, they have a word to use.

      I appreciate this well-articulated argument, though.

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  • gastroglizzy@piefed.social ⁨17⁩ ⁨hours⁩ ago

    Polymarket and crypto have some people believing they’re only three days from being a millionaire

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    • nightofmichelinstars@sopuli.xyz ⁨17⁩ ⁨hours⁩ ago

      If the lottery is a tax on people who are bad at math, polymarket is the lottery for people who are bad at economics. Crypto is a cult for people who are bad at tech.

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    • alekwithak@lemmy.world ⁨16⁩ ⁨hours⁩ ago

      I mean it’s true for Polymarket, you could just place a bet on a local forest catching fire and then light it.

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      • Frozengyro@lemmy.world ⁨14⁩ ⁨hours⁩ ago

        There’s been investigations into people doing stuff like this, and they do not get paid out. Like the guy who bet there would be a streaker at the Superbowl, and then streaked at the Superbowl.

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  • chisel@piefed.social ⁨17⁩ ⁨hours⁩ ago

    Millionaires are working class. $1B - $1M is ~$1B.

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    • jaybone@lemmy.zip ⁨17⁩ ⁨hours⁩ ago

      Can’t even buy a house for $1m where I live. So not rich.

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      • mcv@lemmy.zip ⁨16⁩ ⁨hours⁩ ago

        Yeah, millionaire status is rapidly becoming meaningless. Lots of people who have a mortgage will probably be millionaires when they pay it off, but they can’t buy anything for it because they still need a roof over their head.

        I think 10 million now is the million of the past. Call it inflation. It’s entirely driven by ridiculous housing prices (which are mysteriously not counted in inflation figures).

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      • sparky@lemmy.federate.cc ⁨9⁩ ⁨hours⁩ ago

        As with all things finance, depends on where. $1m in San Francisco means you can’t afford a home. $1m in Sicily is a great life.

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      • blackberry28@sh.itjust.works ⁨16⁩ ⁨hours⁩ ago

        Canada?

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    • WoodScientist@lemmy.world ⁨14⁩ ⁨hours⁩ ago

      Seriously. My partner and I are millionaires. We’re almost 40 and have a net worth just shy of $2M. We’ve a couple of DINKS. We’re both engineers, are pretty good with numbers, and understand compound interest. We got on the property ladder pretty early. I bought my first townhouse in 2012 pretty much right at the bottom of the housing market. We’ve moved twice since then and have benefited from the full rise in house prices.

      Our net worth is a little under $2M. About $10k of that is checking and savings. Another $80k in a taxable brokerage account as an emergency fund. $450k in home equity. The rest is in retirement accounts such as 401ks and IRAs.

      We are working class. The closest either of us have ever come to hiring someone is when we’ve hired a plumber or electrician to fix something at our home. I’ve technically owned a business, but just for my own freelance tutoring work. And the closest either of us have ever come to being a landlord was when I had a couple of roommates at that first townhouse I bought.

      We’re doing very well; we have no complaints. And while we’ve achieved some modest amount of wealth, it’s not ultimately about living large or in luxury. We live well below our means. We recently bought the first new car in a quite awhile, a Toyota Corolla. It replaced a 15 year old Corolla that my partner bought new. We buy affordable reliable vehicles and drive them til the wheels fall off.

      But again, we’re not trying to get rich. We’re not trying to hoard the largest possible of money we can. We don’t view wealth as a lifetime high score. It’s simply a means to achieve stability and safety. We’re on the path to early retirement. We hope to retire by the time we’re 50. We need to save up a couple of million not because we want to live in luxury, but simply because it’s the only way to have a decent stable and safe retirement in this capitalist hellscape we live in. In a world with universal healthcare and a universal basic income, we would have no need for millions in retirement savings. If my partner and I each brought in say, $20k a year from UBI? If we had a paid off house and also didn’t have to worry about healthcare? We could live quite well off just that $40k per year.

      I’m a millionaire and I support much higher taxes on millionaires. I do this because ultimately the point for us for having a couple of million is not to have a couple of million. The point is to have safety and stability in our lives. And the secure the social safety net, the less the need to cover those needs privately.

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      • hamid@crazypeople.online ⁨14⁩ ⁨hours⁩ ago

        You are not working class, you are part of the middle class unlike many Americans who say they are. It is a petit bourgeois class. If you have a net worth of almost 2 million dollars you own capital assets and by definition are not part of the working class.

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  • Malica@lemmy.zip ⁨6⁩ ⁨hours⁩ ago

    I honestly think the poor understanding of math is to blame for a lot of our problems. People don’t understand exactly how massive a billion dollars are, they don’t understand probability so they play the lottery. Most people get visibily angry when I’ve explained exactly how much money the Epstein class is hoarding.

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    • SoloCritical@lemmy.world ⁨5⁩ ⁨hours⁩ ago

      If you counted 1 second every second until you reached 1 million it would be something like 11 days… if you kept counting like that until you reached 1 billion it would take you something like 32 years. If you were to CONTINUE COUNTING like that until you reached 1 trillion, over 31,500 years would have passed. Nobody needs a Trillion dollars. Hell nobody needs a billion. To defend billionaires is to defend the dragon pillaging your cities.

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  • uriel238@lemmy.blahaj.zone ⁨3⁩ ⁨hours⁩ ago

    Because of that whole exponential thing, millionaires and ten-millionaires are actually closer to the rest of us working class folk than they are their billionaire owner-class brethren.

    And this is going to be important when the ultra-wealthy decide to reveal their less-rich near-peers aren’t actually in the oligarchs club, and don’t get to live in Thiel’s Rapture-style hypercities with the real people.

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    • merc@sh.itjust.works ⁨1⁩ ⁨hour⁩ ago

      That’s true, but if you have $10m, you can live off the “work” your money does for the rest of your life. If you have decent, conservative financial planning, you are in no danger of homelessness no matter how bad 3 months are.

      Billionaires are today’s emperors, but someone with $10m is at least a member of the aristocracy and is living off the labour of others, rather than having to live off their own work.

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  • BigPotato@lemmy.world ⁨14⁩ ⁨hours⁩ ago

    Well, I’M okay. I’m at least four bad months away from homeless so no sense planning to change the system any.

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    • Stupidmanager@lemmy.world ⁨3⁩ ⁨hours⁩ ago

      If I was in the USA, I’d be 6 months. But I live in Spain, so I’m 13 months but a whole lot less worried.

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  • InvalidName2@lemmy.zip ⁨10⁩ ⁨hours⁩ ago

    Nuh-uh. I have an uncle who lives two doors down from a lady whose nail stylist’s daughter’s teacher just won 10 million dollars from a scratch off lottery ticket.

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    • fyzzlefry@retrolemmy.com ⁨3⁩ ⁨hours⁩ ago

      See how many draws it would take for you to win!

      perthirtysix.com/tool/lottery-simulator

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    • LovableSidekick@lemmy.world ⁨9⁩ ⁨hours⁩ ago

      Congrats to that teacher, but random events with astronomically low odds don’t refute everyday reality.

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    • Etterra@discuss.online ⁨9⁩ ⁨hours⁩ ago

      You can’t count on luck, and I expect that $10 million to evaporate in less than a year. It usually does.

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      • InvalidName2@lemmy.zip ⁨9⁩ ⁨hours⁩ ago

        All but $4 million of it evaporated before it actually hit her account. But also, this was hyperbole.

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  • bitteroldcoot@piefed.social ⁨17⁩ ⁨hours⁩ ago

    Well a million dollars isn’t that much anymore.

    And no matter how good the facade, I will always reflect my white trash roots.

    And now I cant really remember what the point is I was going to make. Damnit. I hate it when that happens.

    Oh well, never mind.

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    • Bustedknuckles@lemmy.world ⁨16⁩ ⁨hours⁩ ago

      Feels like being a millionaire now is what it takes to live without fear of incipient poverty

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      • bitteroldcoot@piefed.social ⁨16⁩ ⁨hours⁩ ago

        I don’t think even a million would do that anymore.

        My brother’s dog ended up having Addison’s. The vet bill was about $10,000. It all happened so fast. He is a really beloved pet and my brothers best friend. How do you say to the Vet just kill him, I can’t afford it.

        He did retire with a million. And has been living on it and SS. But the pile is diminishing quickly and both he and his wife have developed serious medical issues. And the car on its last legs.

        And he looks at how many years the doctor gave him to live, then at the size of the bills, and the pile of the cash and the numbers just don’t work out.

        And I know this means nothing to 30 something looking at a lifetime of Walmart wages. But with his health fading it still is scary.

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  • orioler25@lemmy.world ⁨8⁩ ⁨hours⁩ ago

    Sure, but many people who aren’t really grappling with where they are in class struggle will still see that and believe it makes intuitive sense because of some aggrieved entitlement. Lemmy is a great platform to find people who know some element of socialist or Marxist politics, but then think the problem is “oligarchs” who are just exceptionally naughty and greedy and not like, a system that produces food and fabrics for insanely cheap and specifically to their benefit.

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  • ZombiFrancis@sh.itjust.works ⁨17⁩ ⁨hours⁩ ago

    Generally speaking, it doesn’t matter how many good months you have. You’re still 3 months out.

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  • hamid@crazypeople.online ⁨14⁩ ⁨hours⁩ ago

    Jokes on you, I am the monopoly man

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    • Kolanaki@pawb.social ⁨11⁩ ⁨hours⁩ ago

      Go directly to jail. Do not pass Go.

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  • LovableSidekick@lemmy.world ⁨8⁩ ⁨hours⁩ ago

    Very relatable perspective!

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  • HeyThisIsntTheYMCA@lemmy.world ⁨16⁩ ⁨hours⁩ ago

    Your order of magnitude is off. Days, not months. Whee!

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    • kibblebits@quokk.au ⁨15⁩ ⁨hours⁩ ago

      Ngl, love to hear hard times for people I have tagged as being bad people. 🥰 just a fortnight more. I believe you can do it!

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  • the_q@piefed.social ⁨16⁩ ⁨hours⁩ ago

    Slaves need the lash.

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