I hate to say this Prof, but somebody has to. You're not smart. You're not as smart as you think you are, not just in common sense either, but in textbook intelligence also.
Never said I was. I have my education and experience and people will differ. In fact, if you believe I have a traditional engineering degree, it means I am one of the smallest demographics in the US. My views are a tiny minority of people.
You might have a few people that agree with you, but that's more because they don't know enough either to see past it or you tell them what they like to hear.
Believe what you wish. It's what most people do anyway.
There is a big difference between just making excuses and having true reasoning based in reality that common sense and experience gives you.
Right now there are a lot of people in debt they could never have afforded. There are a lot of people who live wholly unlike they should have ever. People went en masse into their own holes and looked at each other and said, "oh, if they are all right I'll be all right."
Now do the people you speak of fall into that category? The ones making $50-100K/year and spending too much? Or others? Understand my point, and the sheer statistics right now, focus on the people who "fucked up" that way. I can't answer for him, but I bet Chef was as well. The "middle class" that was trying to live "high class" -- a rather large problem right now.
I don't know maybe you live in some Horatio Alger version of reality where people magically can get anything to happen by just "pulling themselves up by their bootstraps" and good fortune will land their way.
Who said "good fortune"? I never did. Life isn't about "good fortune." In fact, that answer right there is proof that you don't understand what I'm saying.
Maybe your afraid your economic libertarian/capitalistic philosophies don't always work in the real world and don't want to accept it. I don't know.
It only works if people believe live it. Right now people believe they are entitled to many things.
I do know people that would almost kill for a minimum wage job right now, which is pretty sad.
Okay, great job in demonizing my point to apply to
where it did not!
Then if you cannot find a job, better oneself with education. It's the best time to do it. The great thing about down times is that there are always opportunities over the horizon. Better yourself for those times.
Obviously my statements did
not apply to people who were already having trouble finding work during "good times." People who are merely looking for food and shelter at times. But thank you for using the "bleeding heart" attitude to apply it to them.
Out of my immediate family (brother, sisters, and parent) 2 of the six of us have found work and one is for minimum wage and it's not like we haven't just lost our jobs recently or we haven’t been looking for years.
If you have been looking for years, then that's an even bigger problem. It often means you have absolutely no qualifications whatsoever to do much else.
We had good times for several years. One should have been working on improving ones qualifications during those good years. The government gives out a lot of money to go to school, some of which does not need to be paid back. I know they are curtailing those programs now (sadly enough), but back when the economy was strong, one should have taken them up on it.
Even someone like myself, and my wife, regularly go back to school to improve our resumes. It's called "lifelong education." I know people don't like that, but it's one of the things that keeps one marketable for jobs.
Furthermore, it seems you have at least Internet. How well are you doing? What expenses can you share, cut, etc...? Right now it's about families helping each other, and then helping others as they can. Don't wait for the government.
It's not something that is uncommon around here and many other places in the country.
Now, no. But if one had trouble getting a job before, then that's a real problem. I don't know what to tell you except that it doesn't bode well for one's future. Especially if you could not find jobs in "good times."
I see a lot of minimum wage jobs around myself. I still see people hiring. Has your family considered moving elsewhere?
Still with the scenario you gave one would have to somehow look past the facts both people are working and they both have to be working unlike in decades past, meaning they are probably screwed if they ever want a family even a small one and have something other than television raise their children, they probably have crappy health care if they have it at all, there is a good chance they work some grueling job where their body will get broken down for the benefit of other people as the years pass with nothing to show for it, like my late father, and the prospect for them ever getting lasting financial security or a better life get dimmer as time goes on.
True. Right now you're fucked. It's difficult to save for a future on minimum wage. Heck, my wife and I save $40K/year and that will get us to retire on only a minimum-wage-like income equivalent, assuming the $1M we save over 25 years turns into $2.5M.
At the same time, my best friend who has made only $26-35,000/year and has still managed to save 6 figures for retirement over a dozen years (he's not far behind myself, although he started working earlier and didn't have a few "bad years" like I did in early consulting). He has a family of 4 as well, although it helps he makes that without her working (and she can be a stay home mom). He cuts out all sorts of alleged "necessities" such as cable TV, Internet (uses it at work after work), etc... to save money. I really respect someone like him.
So I really don't have my sympathy for people who spend more than him and get themselves into trouble. I'm not saying that is your family. I'm saying it is what it is -- people make do with what they have.
Saving for their kids college education would be an epic struggle. They would probably have to continually live one small step from some unforeseeable event leads them to catastrophe because they have no margin for error. Of course all that depends on the fact they can even find and continually keep that sad minimum wage job in the first place which is very far from certain.
Then they should better themselves with education and other opportunities. I know plenty of people who work a full time job and go to school at night. They better themselves. They create opportunities.
As even Chef pointed out, there are a lot of jobs that pay $20/hour. They are within reach. A little education and retraining goes a long way. I have several colleagues in various offices I hooked up with city programs that did such in 6-9 months and emerged with far better jobs.
I guess if your definition of "sweat a new lifestyle" includes living paycheck to paycheck for pretty much all of your life and having to worry each day what the future holds or being on the bring of homelessness and soon to be homeless if things don't get better soon then you might be right.
Okay,
stop demonizing what I said as it
does apply selectively.
Right now our economic issues are due to people spending far more than they could afford. People that were "okay" during the most recent economic boom and had jobs.
If you want to take my statements and demonize it to people weren't okay during the most recent economic boom, then that's on you, not me. Don't throw the bleeding heart at my statements when my statements did not apply to them.
Maybe...just maybe it isn't their fault they and we as a people are in this mess. Maybe…just maybe the people you speak of aren’t irresponsible at all.
Again, I'm talking about the current economic crisis -- people who were middle class and now no longer. The ones that caused a lot of the mess.
I'm not talking about people who had little purchasing power in this most recent housing boom.
Maybe...just maybe they have been the victim of a system both created and tailored to benefit the relatively few at the expense of everybody else, and as time goes on the breaking point gets harder to push back and contain.
People who look at themselves as victims have found the excuse they need. It's rather sad. I know a lot of people who live minimally and don't consider themselves "victims." They just consider themselves "lucky" to have what they have.
And they live full, fruitful lives.
They don't keep blaming others for what they don't have. They don't keep throwing up the complaint that others don't deserve what they have. They recognize it's in attitude.
Maybe your economic philosophies just don’t amount to much when it comes to it. Then again, you’re the smart one Prof. What do I know?
I believe everyone is responsible for themselves first. Then their families. Then others.
I believe strongly in helping your fellow men and women.
And I believe government is the worst way to do it. Because it's not because the government holds a gun to your head and takes half your sandwich for the poor, but they come back later for the other half to fund the agency they built.
You complain of the people who take advantage of others. I complain of the government who builds a tower and agency for itself in the name of helping others. Neither are sustainable. The government hardly protects us from anything, much less itself.
People protect themselves better from others. Hence why one must take care of oneself first, then their family, then others. The government is hardly interested in doing such. They are often interested in growing their size and influence first. While some may say that's no different than a corporation, at least a corporation has a "bottom line" to address for when they go overboard. Government does not.
Although the government and some corporations seem to be merging into the same entity lately. I honestly think we should have let the damn system fail and reinvent itself, as it is currently not sustainable as is.
I'll give you one thing. They should have given the money they gave to Wall Street to people who couldn't afford their mortgages. At least it would have helped from the bottom up.