You should breathe less.

Lol. I owned your dumb ass, so you are running off after claiming victory? Yeah, that really works after 5th grade.

Poor planning and limited resources go hand in glove? Riiiight. And you are telling others they don’t look clever? Lololol. Ok sunshine. You win. Bigly.

Your value system is warped.
Responsibility =/= misery. Neither does living within your means.

Interesting. I don’t think I need to be wealthier, but I do wish I had made it earlier. Would have been nice, assuming I would have had the capacity to appreciate it. I met people who were very responsible. They were bores. So not sure I would want their lives. But hey ho. If it was possible (and I am sure it is), to…

Ok.

Yay

Why did the Clemson folks accept his invite? They should have boycotted this criminal administration.

Thanks. I was poor for a long time. Learned everything the hard way. Been there, for sure. Thankfully, I am financially sound now.

Poverty sucks. Disciplined living, sacrifice, hard work will pull you out. Irresponsible spending will put you in hock deeper than ever.

If you can’t afford it, you shouldn’t buy it. Do you know what credit is? It is paying more for something you can’t afford in the first place. Stick to cash. Aw, want to show off with a nice sports car but can only make the monthly payments after a struggle? Guess what, you do not buy that car.

And why, exactly, are…

I am guessing you didn’t read my earlier replies. Criminal record, no college, immigrant. I made it. Low 7 figures net worth. I know handicapped people, physically, mentally, who have made it. So yes, I think anyone can do it. By waiting tables and cleaning toilets and mowing laws and making beds. EVERYONE can. As…

I think the issue lies with you.

Ok, forcing yoda-like calmness. Arsonist bears 100% responsibility. But what if he is, like retard criminals are, unable to pay? Isn't that why you cover your ass with full coverage? 

Ah, that’s because you are incredibly insecure and want to prove you are not an intellectual midget, so you decided to put 2 and 2 together to come up with 22. Did Isay one should prepare for a rando arsonist? No. That was you projecting like a moron.

Then they can not afford to buy a $27,000 car. 

And are you not foisting your worldview here? Take your own advice, and shove it where the sun don’t shine.

You should exist less. 

Advising people what they need to do in order to avoid a situation where they end up without a car is lacking in empathy? How? Oh, because your insecurity makes you feel inferior. Did no one’s parents give them this advice? All my white friends were always well insured. I was the poor foreign immigrant who made all…

Is full coverage really that alien a concept? Or are you just incredibly insecure? 

You get full coverage precisely because you can’t afford to replace it. And then you keep the deductible set aside. Cos it has to come from somewhere. Duhhhhh

You do realize it's stupid to expect an insurance company to replace a used car with a new one, right?