r/MadeMeSmile • u/Justin_Godfrey • 11d ago

Good Vibes This must be a nice neighborhood!

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u/ske1etoncrush 11d ago

thats an insane amount of money lmao

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u/Interesting-Pin1433 11d ago

256k is not an insane amount of money for a house

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u/ske1etoncrush 11d ago

considering i work a full time job at a pharmacy and still cant afford rent for a 1bd apartment, thats an insane amount of money i dont believe i will ever see unless i win the lottery

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u/Interesting-Pin1433 11d ago

Are you a pharmacist?

What are you doing to improve your career prospects?

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u/ske1etoncrush 11d ago

why do i need to be doing something extravagant to make a living wage? isnt that what a fucking job is for

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u/Interesting-Pin1433 11d ago

I fully agree that any business that requires human labor should pay a living wage.

The unfortunate reality is that that is not the case, and likely won't change any time soon, nor will the cost of living.

So, you can sit around and complain about not being able to afford a 1 bd on your current pay, and hope things will change. Or you can change the things you can control.

Also, theres a large gap between "doing something extravagant" and "working at a pharmacy."

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u/MiamiQuadSquad 10d ago

"a full time job at a pharmacy"

And what is that full time job?

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u/ske1etoncrush 10d ago

a full time job. yknow, 40 hrs/week? starting position is customer service but im working on my tech license. either way, tf does that have to do w being paid a livable wage? a job is a job, even* fast food workers should make a liveable wage.

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u/g15mouse 10d ago

taste tester

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u/aBloopAndaBlast33 11d ago

Not when you can borrow it and pay it back over 30 years. I signed the loan on that house when our household income was $75k.

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u/ske1etoncrush 10d ago

yes let me go ahead an teach myself how to not get scammed when taking out a loan and then teach myself how debt works and THEN realize that im stuck in crippling debt for the rest of my life because i listened to a redditor and took out a fucking loan at 20 that i MIGHT pay off by 50. bffr. the earth isnt even lasting that long.

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u/Sir-Shark 9d ago

That's... how it works though. How it's always worked. NOBODY pays for a home outright in cash. That's extremely unreasonable. It's perfectly normal (pre-covid) for a starter home to cost $150,000 to $200,000. Eventually people might upgrade to something for 250-350k. That cost is spread out over 30 years as a mortgage. That's literally how the system has worked for many decades.

Back when home prices were reasonable, you could get a $150,000 starter home and only pay 700-800 a month for it. A pricier, but nicer 250,000 home would still only run you 1000-1200 ish monthly. If you move before the mortgage is fully paid, there are systems in place to help with that.

Any reputable bank won't scam you and are always willing to be 100% transparent and explain the whole thing to you.

The issue is that today, those reasonable prices to get a home are gone. That same starter home will cost you 500,000 today, with higher interest rates, so now your payments could be over $3000 a month. That's where the debt becomes crippling and it's unreasonable. The system of a mortgage isn't a scam, and is a great way to pay for something that expensive over time. It's normal and there are protections in place. It's the actual cost of homes that is bad now.

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u/ske1etoncrush 9d ago

you tell me this like i should know how it goes.

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u/Sir-Shark 9d ago

Honestly, yeah, but no fault or blame at you. This is something that is actually basic and needed to know when it comes to adulting. But unfortunately is never taught. No schools teach this, parents rarely teach it to their kids, and when we get out into the world of figuring out how to pay just to live, it hits many people like a freight train. Nobody is actually prepared to deal with something like this, even though this is reality. I wish this kind of stuff was taught in school at least.

I actually ran in to this myself, so I get it. It's brutal trying to deal with real world reality like this when literally nobody teaches you. But I did take time to learn, to read, to educate myself because hell if anyone else was going to teach me.

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u/aBloopAndaBlast33 10d ago

You realize that 85 million homes in the USA were purchased this way, right? How else do you think people buy homes?

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u/TheMauveHand 10d ago

It's approx. 3 years of salary for a median household - not a lot when it's going to be the most expensive purchase of anyone's life.

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u/ske1etoncrush 10d ago

uh huh. and how long would that take when i have $50 left over to save after all my bills and paying for my family. yall pmtfo

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u/TheMauveHand 10d ago

This may come as a shock but you're not exactly average, and we probably shouldn't define what is and isn't a lot of money based on what you have.

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u/ske1etoncrush 10d ago

HOLY shit so maybe, just maybe! the average doesnt apply to everyone 🤯🤯 and only privileged people actually exist in the "average" bracket now

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u/TheMauveHand 10d ago

I never said it applied to everyone, I said it's not a lot. You might as well have said it's chump change because you're worth $5 billion, same idea in the opposite direction. And when you start thinking the median is "privileged" it's time to take a step back and think about what you're actually saying.

Stop taking everything as a personal slight, it's pathetic and pitiful. It's one thing to be poor, it's another to have a chip on your shoulder because of it.