How much debt would it take for you to kill yourself?

1. 2019-07-18 at 5:39 PM UTC

   #21
   

   GGG victim of incest [my veinlike two-fold aepyornidae]

   Originally posted by Ajax What is health insurance and an emergency fund to cover your deductible / out of pocket maximum?

   
   Literally the only reason everybody can have affordable insurance now is because of Obama and his government subsidized insurance program.
2. 2019-07-18 at 5:41 PM UTC

   #22
   

   itybit African Astronaut [daze my amino pe-tsai]

   Originally posted by GGG Its ur fault 4 not having a few hundred thousand on hand
   
   Idiiotz

   
   It doesn't pertain to me, I have 0 debt and quit a few thousands in savings it's a hypothetical
3. 2019-07-18 at 5:43 PM UTC

   #23
   Ajax African Astronaut [rumor the placative aphakia]

   Originally posted by gadzooks The hypothetical character in my brief narrative? Or the person who posted it?
   
   Either way, we are one and the same.
   
   I mean, I do plan on paying all my debt off. I'm close to the 100k mark (mostly student loans, but also divided into various other debts consolidated into one).
   
   I do take personal responsibility for the role I played in accumulated such debt, but life really isn't as simple as a lot of people characterize it to be.
   
   In an ideal world:
   1. Creditors would not be as predatory as they are.
   2. People who hit hard times would be allowed a certain amount of leeway rather than be carpet bombed with poverty tax "NSF fees" and such.
   3. People who are ready and willing to work but can't find employment because the job market is the least efficient market conceivable wouldn't incur punitive costs for a broken system.
   4. People who are doing well in life would not flippantly say things like "debt is a choice" to those who are not.
   
   Etc.

   
   Even when I had debt, it was my choice. Until your own your choices and decisions, your choices and decisions will own you.
   
   

   Originally posted by GGG Literally the only reason everybody can have affordable insurance now is because of Obama and his government subsidized insurance program.

   
   You have some strong excluder words there. I had affordable health insurance subsidized by my employer before Obama, though I recognize a lot of people didn’t.
4. 2019-07-18 at 5:44 PM UTC

   #24
   

   gadzooks Dark Matter [keratinize my mild-tasting blossoming]
   Just plan your future medical issues better.
   
   If you know that you're going to lose your job in 8 years, plan your cancer for 12 years.
   
   Fucking imbeciles.
5. 2019-07-18 at 5:47 PM UTC

   #25
   

   gadzooks Dark Matter [keratinize my mild-tasting blossoming]

   Originally posted by Ajax Even when I had debt, it was my choice. Until your own your choices and decisions, your choices and decisions will own you.

   
   The thing is that you're not wrong. I don't really disagree with your underling message here.
   
   It's just that it can come off as a bit cruel and shortsighted.
   
   I'm totally for people taking initiative and reaching higher and higher goals in life and all of that.
   
   But I'm also sympathetic to people fucking up. And debt is a result of "fucking up."
6. 2019-07-18 at 5:49 PM UTC

   #26
   

   gadzooks Dark Matter [keratinize my mild-tasting blossoming]
   Fucking up AND inefficent systems.
   
   My point about the job market being the least efficient market in existence is something I fervently stand by.
   
   WAY too many people are willing to work and unemployed simply because matching employees to employers is an absolute gong show.
7. 2019-07-18 at 6:02 PM UTC

   #27
   Ajax African Astronaut [rumor the placative aphakia]
   Don’t mistake my bluntness for a lack of sympathy. It has been my experience and observation that people need the cold, hard truth and a swift kick in the ass to get themselves out of the mess they got themselves into.
   The following users say it would be alright if the author of this post didn't die in a fire!

   • gadzooks
8. 2019-07-18 at 6:10 PM UTC

   #28
   

   gadzooks Dark Matter [keratinize my mild-tasting blossoming]

   Originally posted by Ajax Don’t mistake my bluntness for a lack of sympathy. It has been my experience and observation that people need the cold, hard truth and a swift kick in the ass to get themselves out of the mess they got themselves into.

   
   Fair enough.
9. 2019-07-18 at 6:58 PM UTC

   #29
   

   HTS highlight reel
   Implying I need debt to want to kill myself. $0.
10. 2019-07-18 at 7:01 PM UTC

    #30
    

    GGG victim of incest [my veinlike two-fold aepyornidae]

    Originally posted by HTS Implying I need debt to want to kill myself. $0.

    
    What are you waiting for？
11. 2019-07-18 at 8:06 PM UTC

    #31
    

    Star Trek VI: The Undiscovered Country Dark Matter [my scoffingly uncritical tinning]
    I assume someone who has 50 million in debt is doing better at life than someone who has no debt. After all having that sort of debt implies connections, experience, and business acumen. Many successful entrepreneurs went broke at least once.
12. 2019-07-18 at 8:58 PM UTC

    #32
    

    GGG victim of incest [my veinlike two-fold aepyornidae]

    Originally posted by Star Trek VI: The Undiscovered Country I assume someone who has 50 million in debt is doing better at life than someone who has no debt. After all having that sort of debt implies connections, experience, and business acumen. Many successful entrepreneurs went broke at least once.

    
    Obviously this doesn't apply to anyone on this site tho. Hence why OP gave other numbers besides 50mil.
13. 2019-07-18 at 9:49 PM UTC

    #33
    

    Star Trek VI: The Undiscovered Country Dark Matter [my scoffingly uncritical tinning]

    Originally posted by GGG Obviously this doesn't apply to anyone on this site tho. Hence why OP gave other numbers besides 50mil.

    
    I think I will inherit around that amount. In any case, your assumptions seem to me to be based on your own experience, and deserve to be independently evaluated. I am more than happy yo carry out such an audit.
14. 2019-07-18 at 10:33 PM UTC

    #34
    The Self Taught Man Black Hole

    Originally posted by GGG Literally the only reason everybody can have affordable insurance now is because of Obama and his government subsidized insurance program.

    
    Not true. A Russian woman I worked with who made like 26,000 pays the penalty to not have health care coverage, which is fucking expensive btw. She's late 50's, obese, smoked her whole life.
15. 2019-07-18 at 10:55 PM UTC

    #35
    

    GGG victim of incest [my veinlike two-fold aepyornidae]

    Originally posted by DietPiano Not true. A Russian woman I worked with who made like 26,000 pays the penalty to not have health care coverage, which is fucking expensive btw. She's late 50's, obese, smoked her whole life.

    
    Lol it's like 500 a year isn't it? Penalty i think is about 75 dollars.
    
    If you think that's expensive you have never shopped for private insurance.
16. 2019-07-18 at 10:57 PM UTC

    #36
    The Self Taught Man Black Hole
    When I was a temp worker health insurance was $400 a month with a $6k deductible
17. 2019-07-18 at 11:08 PM UTC

    #37
    

    GGG victim of incest [my veinlike two-fold aepyornidae]

    Originally posted by Jυicebox When I was a temp worker health insurance was $400 a month with a $6k deductible

    
    With obamacare or private? I just looked up what I'd pay if I had medicare (I have medicaid) and made 26k a year. It'd be about 150 a month. More than I thought but still crazy cheap compared to private, which I was UNABLE to get before the ACA. For years I just had no insurance because it was either ridiculously expensive or I'd just get denied.
18. 2019-07-18 at 11:12 PM UTC

    #38
    The Self Taught Man Black Hole
    Not entirely sure to be honest. It was in 2015
19. 2019-07-19 at 12 AM UTC

    #39
    The Self Taught Man Black Hole

    Originally posted by GGG Lol it's like 500 a year isn't it? Penalty i think is about 75 dollars.
    
    If you think that's expensive you have never shopped for private insurance.

    
    The penalty is like between 1 and 2 thousand for her and her husband, which is A LOT when you only make 26000 and he doesnt make anything. She did that so she would have enough money to fly backto RU
20. 2019-07-19 at 12:22 AM UTC

    #40
    

    GGG victim of incest [my veinlike two-fold aepyornidae]

    Originally posted by DietPiano The penalty is like between 1 and 2 thousand for her and her husband, which is A LOT when you only make 26000 and he doesnt make anything. She did that so she would have enough money to fly backto RU

    
    I just googled. For 2018 it was 2.5% of your income or $695. Whichever is higher. So she would've paid about 1400 for her and her husband.