Lol. I checked my entitlement. I have none. Comes from dropping out of college, having a misdemeanor conviction with 1 year in county jail on my record, and having had to really struggle. I did the 3 jobs and $1200 cars and saving and skimping and dealing with asshole roomies till I saved up enough to buy a fixer…

No, you do what it takes to crawl out of poverty. 2 or 3 jobs, saving, sacrifice, roommates, training for better jobs, cheap cars or bicycle or walking or moving, etc., etc. Duh.

Hence 2 or 3 jobs, saving, roommates, sacrificing, living well below your means, and planning.

Asshole, you plan for contingencies and live under your means precisely because money is a finite resource.

Very clear video. Surprising. 

I know, right. Plus, she has money to attend cosplay conventions. She should have set aside an emergency fund first. If not, well, drop your expectations and get a beater for $1,200 or $4,000. Not hard. Certainly, I don’t see a need for a GoFundMe. 

Yes, and people know this. That’s why they should plan accordingly. If you only have $1300 in insurance coverage, and your tastes run to $4,000 cars, then you should have $2,700 plus your deductible sitting in an emergency fund. Why is this so hard?

A used bike on CL is $100, btw. Less if you can bargain and get a…

And if you have an ounce of common sense, you account for this in your planning. I bought my first full-coverage car—a used BMW 5-series. $27k, all in. I put $5k down. Financed $22k. Full coverage with $500 deductible. I made sure I could pay for gas, registration, insurance, maintenance, accessories, annual…

No, they don’t need a GoFundMe page. 

I know, right.

I am gonna come up with a sad story. You put up a GoFundMe. We split it. We also post a heartwarming thank you and some tearful but happy pictures. 

No one is forcing you to read or reply either?

Um, don’t buy a car if you can’t afford to replace it with insurance or with your own funds.

Why does this trigger you? Because you are a financial moron? Well, shit, don’t be one.

“The car people need” is one that they can afford and one that is reliable. Period. You seem to be conflating this with “The car people want.”

Money is a finite resource, jackwad, that’s why I am saying what I am saying. So you don’t screw yourself financially. Make sure you provide for emergency situations, either…

I also checked my empathy levels. Sorry, my charity money is going to St. Judes, NPR, WWF, orphanages in Mississippi, Mexico, India, Ghana, and wikipedia.

I checked. I have none.

Came to America with $200 bucks and failed out of college. I have had to rely on guts, instinct, hard work and (often, poorly chosen) friends to make it. I have made all the financial mistakes...overextended, bad credit, bankruptcy. Much easer to learn from my mistakes than to repeat them. One…

Nor should you have the expectation of replacing a depreciated car with a new one. Your car is worth $10k less because you have used up $10k of its value. Whether insurance pays you or a buyer pays you, you will get its worth in the market. How is this unfair?

What makes you think you can exchange a car for another…

Yes, I have been there too. I bought a $1200 car and had $1200 in savings to cover replacement because I knew that I needed a car and I couldn’t afford the full coverage. As it turns out, I did get into a head-on with someone who did not have insurance and ran a red light. I bought another car. I was able to do this…

You do realize people afford all this and more just by working hard in food service or lawn maintenance or welding or housekeeping, right? 

You realize you should be smart with your money, right? Don’t buy cars you can’t afford. Don’t skimp on insurance. Don’t throw money away. I used to make $14,800 a year and still…

In America, yes. If a person can mow lawns and raise a family and have 3 cars on the driveway, you really don’t have an excuse.

If you have low income, perhaps you should get a second job? Invest in education? Stay at an Airbnb rather than a hotel? Do something that earns money rather than attend a cosplay convention?  

No, wait, I will start a GoFundMe cos I need more money.