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Jeremy

@jeremyct • 18,067 subscribers

i didn’t get a manual either, so i started writing one. money, life & crypto

Shorts

My dad retired at 59 I will not He had a pension. I have a 401k I can barely fund. He bought his house at 28. I can't touch a down payment at 30. He paid $90 a month for health insurance. I pay $430. At dinner he told me I need to be smarter with money. I nodded. Didn't tell him his entire life was built on an economy that no longer exists. Didn't tell him my generation is paying for his Social Security while ours gets gutted. Didn't tell him the ladder he climbed got pulled up right after him. Just passed the potatoes. Make it make sense

My dad retired at 59 I will not He had a pension. I have a 401k I can barely fund. He bought his house at 28. I can't touch a down payment at 30. He paid $90 a month for health insurance. I pay $430. At dinner he told me I need to be smarter with money. I nodded. Didn't tell him his entire life was built on an economy that no longer exists. Didn't tell him my generation is paying for his Social Security while ours gets gutted. Didn't tell him the ladder he climbed got pulled up right after him. Just passed the potatoes. Make it make sense

4,082,439 Aufrufe

The MAX rent you should pay based on your income: • $40k salary: $850 • $50k salary: $1,050 • $60k salary: $1,250 • $70k salary: $1,450 • $80k salary: $1,650 • $90k salary: $1,850 • $100k salary: $2,100 • $110k salary: $2,300 • $120k salary: $2,500 Paying more than this makes it really hard to save money, invest, or afford major life expenses.

The MAX rent you should pay based on your income: • $40k salary: $850 • $50k salary: $1,050 • $60k salary: $1,250 • $70k salary: $1,450 • $80k salary: $1,650 • $90k salary: $1,850 • $100k salary: $2,100 • $110k salary: $2,300 • $120k salary: $2,500 Paying more than this makes it really hard to save money, invest, or afford major life expenses.

2,083,180 Aufrufe

$From age 18 to 67 you pay $7,500 a year into Social Security. That’s 49 years of mandatory contributions. You get $3,200 a month back. If you invested that same $7,500 a year into a basic mutual fund. You’d retire with $32,000 a month. 10 times more. You had no choice in the matter. No opt out. No alternative. Just trust us they said. The government took your money for 49 years. And gave you back a fraction. Called it a safety net.$

From age 18 to 67 you pay $7,500 a year into Social Security. That’s 49 years of mandatory contributions. You get $3,200 a month back. If you invested that same $7,500 a year into a basic mutual fund. You’d retire with $32,000 a month. 10 times more. You had no choice in the matter. No opt out. No alternative. Just trust us they said. The government took your money for 49 years. And gave you back a fraction. Called it a safety net.

60,840 Aufrufe

My grandma paid off her house in 1987. Thought she was done. Thought it was hers. Property taxes were $900 a year back then. Today they’re $28,000. She’s 79. On a fixed income. Still writing a check every single month. Just to stay in the house she already paid for. You don’t own property in America. You lease it from the government until you can’t afford it anymore.

My grandma paid off her house in 1987. Thought she was done. Thought it was hers. Property taxes were $900 a year back then. Today they’re $28,000. She’s 79. On a fixed income. Still writing a check every single month. Just to stay in the house she already paid for. You don’t own property in America. You lease it from the government until you can’t afford it anymore.

59,082 Aufrufe

In 2018 my health insurance was $180/month. I never went to the doctor. Today it's $430/month. I still never go to the doctor. Because the deductible is $6,000. I pay $5,160 a year just to have a card in my wallet. That I'm afraid to use. This is America.

In 2018 my health insurance was $180/month. I never went to the doctor. Today it's $430/month. I still never go to the doctor. Because the deductible is $6,000. I pay $5,160 a year just to have a card in my wallet. That I'm afraid to use. This is America.

46,711 Aufrufe

there’s no reason someone working full time should still need: roommates help from parents multiple side hustles or a cosigner just to afford a basic apartment in the same city they work in. at that point the economy isn’t “tough.” it’s broken.

there’s no reason someone working full time should still need: roommates help from parents multiple side hustles or a cosigner just to afford a basic apartment in the same city they work in. at that point the economy isn’t “tough.” it’s broken.

23,227 Aufrufe

My boomer dad went to college for $500 a semester in 1974. Got a job the same month he graduated. Paid off his loans in 8 months. Bought a house at 24. Told me college was the only way. I took out $67,000 in loans. Graduated into a recession. Spent 3 years applying to jobs. I'm 29. Still paying. He still thinks I'm not trying hard enough Make it make sense.

My boomer dad went to college for $500 a semester in 1974. Got a job the same month he graduated. Paid off his loans in 8 months. Bought a house at 24. Told me college was the only way. I took out $67,000 in loans. Graduated into a recession. Spent 3 years applying to jobs. I'm 29. Still paying. He still thinks I'm not trying hard enough Make it make sense.

22,914 Aufrufe

my property taxes went from $4,200 a year in 2019 to $9,800 a year in 2025 same house same street same cracked sidewalk the city never fixed $9,800 a year just to stay in something i already own that's $816 a month on top of my mortgage on top of my insurance we never actually own a home in america we just become responsible for the government's portion of it forever

my property taxes went from $4,200 a year in 2019 to $9,800 a year in 2025 same house same street same cracked sidewalk the city never fixed $9,800 a year just to stay in something i already own that's $816 a month on top of my mortgage on top of my insurance we never actually own a home in america we just become responsible for the government's portion of it forever

10,848 Aufrufe

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I told my daughter she had to pay $400 a month to live at home after college. She thought I was being hard on her. Paid it every month without complaint. Never missed once. Two years later she moved out. I handed her an envelope. $9,600. Every dollar she ever paid me. Plus a little extra. She cried. I told her that was her security deposit, first month, and emergency fund. She thought I was punishing her. I was preparing her. She’s a very happy young woman.

I told my daughter she had to pay $400 a month to live at home after college. She thought I was being hard on her. Paid it every month without complaint. Never missed once. Two years later she moved out. I handed her an envelope. $9,600. Every dollar she ever paid me. Plus a little extra. She cried. I told her that was her security deposit, first month, and emergency fund. She thought I was punishing her. I was preparing her. She’s a very happy young woman.

3,256,692 Aufrufe • vor 3 Tagen

My mom had a heart attack last year. Ambulance: $8,400. ER visit: $42,000. Insurance covered: $11,000. She owed: $39,400. She has insurance. Has had it for 30 years. Never missed a payment. She’s 68 years old negotiating a payment plan. This isn’t a glitch. This is how the American healthcare system works

My mom had a heart attack last year. Ambulance: $8,400. ER visit: $42,000. Insurance covered: $11,000. She owed: $39,400. She has insurance. Has had it for 30 years. Never missed a payment. She’s 68 years old negotiating a payment plan. This isn’t a glitch. This is how the American healthcare system works

199,557 Aufrufe • vor 9 Tagen

boomer dad: “you should never discuss salary with coworkers.” me: “i compared pay with someone on my team.” boomer dad: “that’s unprofessional.” me: “he was making $15k more than me with the same title and workload.” boomer dad: “that’s between the employee and the company.” me: “i used the information to renegotiate my pay.” boomer dad: “you just got lucky.” me: “no. i got informed.” a few weeks later i was making thousands more a year. keeping salaries secret rarely protects workers. it usually protects companies.

boomer dad: “you should never discuss salary with coworkers.” me: “i compared pay with someone on my team.” boomer dad: “that’s unprofessional.” me: “he was making $15k more than me with the same title and workload.” boomer dad: “that’s between the employee and the company.” me: “i used the information to renegotiate my pay.” boomer dad: “you just got lucky.” me: “no. i got informed.” a few weeks later i was making thousands more a year. keeping salaries secret rarely protects workers. it usually protects companies.

27,451 Aufrufe • vor 6 Tagen

A 22 year old with a full time job should be able to afford rent. Should be able to buy groceries without doing math at the register. Should be able to get sick without going into debt. Should be able to own a car without a cosigner. Should be able to save $200 a month without it feeling heroic. None of that is ambitious. None of that is asking for much. That used to just be called having a job.

A 22 year old with a full time job should be able to afford rent. Should be able to buy groceries without doing math at the register. Should be able to get sick without going into debt. Should be able to own a car without a cosigner. Should be able to save $200 a month without it feeling heroic. None of that is ambitious. None of that is asking for much. That used to just be called having a job.

10,678 Aufrufe • vor 3 Tagen

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