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re: The system is designed to keep people poor
Posted on 5/27/26 at 5:31 pm to BluegrassBelle
Posted on 5/27/26 at 5:31 pm to BluegrassBelle
quote:
We shouldn't be trying to scam kids who are trying to actually work.
It's not a scam, nobody reads anything anymore. Multiple pages of warnings and consents exist, but their parents didn't read that shite, so they don't. Just click OK.
Remember TINSTAAFL? There is no such thing as a free lunch? Skepticism is a great thing to teach kids, so they don't do dumb shite like DoorDash through Affirm. The "system designed to keep people poor," doesn't exist. Stupid people do exist. Just like privates out of basic buying cars at 22% interest have always existed, and always will.
1
Posted on 5/27/26 at 5:50 pm to LemmyLives
Problems you have because no one taught you any better are by definition problems of ignorance, not problems of stupidity.
I really don't see how there's anything controversial about saying that how much wealth a person has is due to some combination of their own decisions, the resources they had starting out (including financial knowledge), and a degree of luck, either good or bad.
Almost no one would argue that a person's own choices have absolutely no bearing whatsoever on their wealth, and it seems just as silly to claim that systemic factors have absolutely no bearing on it.
I really don't see how there's anything controversial about saying that how much wealth a person has is due to some combination of their own decisions, the resources they had starting out (including financial knowledge), and a degree of luck, either good or bad.
Almost no one would argue that a person's own choices have absolutely no bearing whatsoever on their wealth, and it seems just as silly to claim that systemic factors have absolutely no bearing on it.
Posted on 5/27/26 at 5:56 pm to anc
The system is designed to keep dumb and impulsive people poor.
Posted on 5/27/26 at 5:57 pm to anc
Literally every business exists to separate people from their money.
That's how I think about things and it helps me spend less on shite I dont need
That's how I think about things and it helps me spend less on shite I dont need
This post was edited on 5/27/26 at 5:58 pm
Posted on 5/27/26 at 5:59 pm to BluegrassBelle
quote:
The employer has the option of choosing a payroll system that doesn't do that shite.
Do what shite? Allow someone access to their earned income earlier than the bi weekly pay run? It is literally an additional option that someone has to opt into. If they don’t want to opt into it, the employer’s payroll system operates the same as any other payroll system. And since we are going to bring in payroll systems, they may very well be using ADP for all we know. They operate with DailyPay
quote:
If they were all fully developed adults, then I'd agreed that there's no excuse. But it's no coincidence they chose that payroll system while employing kids.
I don’t think you actually understand how these actually work
. This post was edited on 5/27/26 at 6:18 pm
Posted on 5/27/26 at 6:01 pm to BluegrassBelle
quote:
We shouldn't be trying to scam kids who are trying to actually work.
What exactly is the scam here? Explain what you think it is because I’m at a loss of understanding what here is supposed to be a scam.
Posted on 5/27/26 at 6:17 pm to High C
quote:Ridiculous point. How many 16 year old kids are paying their own way through life?
Looks like your kid had the “choice” to never have to pay for their own shite.
Posted on 5/27/26 at 6:20 pm to F1y0n7h3W4LL
quote:get fricked loser
I would think the employer would be responsible for that fee.
Why in the living frick would an employer be on the hook for someone basically getting a cash advance on their pay check?
Posted on 5/27/26 at 6:25 pm to sledgehammer
quote:
It blows my mind how someone doesn’t know what services they’re subscribed. How do you never check your online banking? It’s not rocket science.
Nope, it’s not rocket science…but it is rocket money, and for $10/month and your privacy, you don’t have to worry about your budget.
Posted on 5/27/26 at 6:32 pm to SuperSaint
quote:
Why in the living frick would an employer be on the hook for someone basically getting a cash advance on their pay check?
I swear, I think some in this thread think the business is getting some cut of the fees or something judging by some of these responses
Posted on 5/27/26 at 8:09 pm to TheWalrus
quote:
The ability to delay gratification is one of life’s most important skills.
There have been multiple studies of highly successful people and this was the #1 trait.
This post was edited on 5/27/26 at 8:10 pm
Posted on 5/27/26 at 8:27 pm to anc
The system rewards capital and would prefer you not be poor. Poors and government drag the system down.
Posted on 5/27/26 at 8:29 pm to anc
This is dumb. If you want money in advance, which is what dailypay is, you are going to pay a fee. Nobody provides a service for free, for long at least.
Posted on 5/27/26 at 8:31 pm to TexasTiger08
Whenever I lose track of subscriptions I just report my credit card stolen and get a new car with new number. Everyone comes quick and then its easy to decide if I want to keep some of them. I have one pre paid card I use for subscriptions.
Posted on 5/28/26 at 3:00 am to anc
ATM fees are what really tick me off
No way I am even paying one dollar to get my own cash
If I need a little petty cash I either go to my bank’s ATM or do cash back at the grocery check out for no fee
No way I am even paying one dollar to get my own cash
If I need a little petty cash I either go to my bank’s ATM or do cash back at the grocery check out for no fee
Posted on 5/28/26 at 6:26 am to ThatTahoeOverThere
quote:
worked hard to free up 1000 in bills the past 6 months in preparation of my son going off to college this fall only to have my employer health insurance double from 1000 to 2000 a month
shite is out of control. My family’s went from 2200 to 4300 a month in the past TWO YEARS!!
And it seems more and more it doesn’t pay for anything. Go to doctor/hospital and pay deductible and then get a bill for hundreds for something I didn’t get a year ago.
About to start looking at other options.
Note for anyone getting hit with high hospital bills. Request administrative review
Posted on 5/28/26 at 7:21 am to anc
Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.
Albert Einstein
Albert Einstein
Posted on 5/28/26 at 7:24 am to anc
quote:
The system is designed to keep people poor
Sounds like a voluntary system.
So, what is the design?
Posted on 5/28/26 at 7:28 am to anc
After Covid, a lot of the fast food places here were advertising “work today, paid tomorrow” I didnt realize there was a fee.
There is a good number of people who pay absurd fees so they can get their tax “refund” (really just their child credits and earned income credit) 2-3 weeks earlier than normal.
There is a good number of people who pay absurd fees so they can get their tax “refund” (really just their child credits and earned income credit) 2-3 weeks earlier than normal.
Posted on 5/28/26 at 7:30 am to anc
the “system” you describe is voluntary. That contradicts the “design” feature central to your thesis
has this post been peer reviewed?
has this post been peer reviewed?
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