I deeply empathize and sympathize with the challenge. I also failed to choose “congenitally rich” at birth, and I hope to remedy this error on my next iteration.
But seriously, I grew up very poor and left my abusive home at 16. I was homeless twice. Once in my late teens and again in my mid-20s. Not “crashing on my friends’ couches” homeless, but rather “living in the woods and dumpster diving for food” homeless.
I bring this up as empathy by way of anecdote, and also as acknowledgement of my immense luck and privilege. I know that reaching a place of relative comfort is fucking hard in our modern environment. What’s an even bigger pisser is that cost of living is stupid, the systems required for modern life are expensive, and the attacks on our attention, focus, health, and well-being are legion.
So it comes down to: is your position yet painful enough for you to want to do something about it?
If you’re the average earner, you absolutely cannot get loans at lower rates than the interest you may get on your meager savings.
I deeply empathize and sympathize with the challenge. I also failed to choose “congenitally rich” at birth, and I hope to remedy this error on my next iteration.
But seriously, I grew up very poor and left my abusive home at 16. I was homeless twice. Once in my late teens and again in my mid-20s. Not “crashing on my friends’ couches” homeless, but rather “living in the woods and dumpster diving for food” homeless.
I bring this up as empathy by way of anecdote, and also as acknowledgement of my immense luck and privilege. I know that reaching a place of relative comfort is fucking hard in our modern environment. What’s an even bigger pisser is that cost of living is stupid, the systems required for modern life are expensive, and the attacks on our attention, focus, health, and well-being are legion.
So it comes down to: is your position yet painful enough for you to want to do something about it?