This Group Is Sharing Painful Truths And Jokes About Being Poor Here Are 40 Of The Best
This Group Is Sharing Painful Truths And Jokes About Being Poor, Here Are 40 Of The Best Bored Panda Bored Panda works better on our iPhone app Continue in app Continue in browser Like what you're reading? Subscribe to our top stories Please enter email address By submitting email you agree to get Bored Panda newsletter. We respect your privacy. We will not publish or share your email address in any way. Almost finished... To complete the subscription process, please click the link in the email we just sent you. Almost finished... To complete the subscription process, please click the link in the email we just sent you. Are you leaving already? Are you sure you want to post this? We're asking people to rethink comments that seem similar to others that have been reported or downvoted this warning is a mistake x x Let's fight boredom together! Continue with Facebook Continue with Google or Log In Don't have an account? Sign Up Forgot your password? Creating an account means you agree with Bored Panda's Terms of Service 0, text: error()"> Become a member Sign Up Have an account? Login Forgot your password? Creating an account means you agree with Bored Panda's Terms of Service 0, text: error(), css: errorCssClass"> Password reminder Please provide your email address and we will send your password shortly. Send Have an account? Login Don't have an account? Sign Up Get our top 10 stories in your inbox: Finish 0, text: error(), css: errorCssClass"> Please enter your email to complete registration Finish 0, text: error(), css: errorCssClass"> Activate to continue Your account is not active. We have sent an email to the address you provided with an activation link. Check your inbox, and click on the link to activate your account. I have already activated my account Resend activation link We and our trusted partners use technology such as cookies on our site to personalize content and ads, provide social media features, and analyze our traffic. You can read more about it and change your preferences here. Agree Bored Panda iOS App Available on App Store Continue in App Bored Panda Android App Available on Google Play Continue in App By using our services you agree to our use of cookies to improve your visit. You can change your preferences here. Agree BoredPanda Login Add Post Search ArtPhotographyAnimalsFunnyTravelIllustrationComicsDIYGood NewsParentingChallengeAsk Pandas More Featured Trending Latest Newsletter The Bored Panda iOS app is live! Fight boredom with iPhones and iPads here. Bored Panda This Group Is Sharing Painful Truths And Jokes About Being Poor, Here Are 40 Of The Best Home Partnership Advertise Success stories Jobs About us Contact 287points x Facebook Pinterest Twitter Social Issues1 year ago
Justinas Keturka
Publish Not your original work? Add source Google "how to save money" and you'll get 3,740,000,000 results, promising you will be able to save up for any purchase if you just give them a click and scroll through their ads. Oops, I mean, text. Move over Jerome Powell, nowadays even teenage TikTokers are experts on macro and micro economy. Or are they? The members of the subreddit Poverty Finance: Personal Finance For The Financially Challenged don't think so. And when you look at their content, it becomes pretty difficult to disagree with them. These Redditors share actual financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. Oh, and they also torch pseudo financial gurus, burning their out-of-touch content to a crisp. My favorite. So this time, as an introduction to the online community, we'll focus on the jokes and memes they've collected since getting together in 2018. This post may include affiliate links. #1
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Title Update Rokas Laurinavičius Rokas Laurinavičius Writer, BoredPanda staff Rokas is a writer at Bored Panda with a BA in Communication. After working for a sculptor, he fell in love with visual storytelling and enjoys covering everything from TV shows (any Sopranos fans out there?) to photography. Throughout his years in Bored Panda, over 235 million people have read the posts he's written, which is probably more than he could count to. Read more » Justinas Keturka Justinas Keturka Author, BoredPanda staff Justin is a photo editor at Bored Panda. He was fascinated with visual arts and arts in general for as long as he can remember. He was obsessed with playing and making music in his teens. After finishing high school, he took a gap year to work odd jobs and try to figure out what he wanted to do next. Finally, around 2016, he started learning how to use Photoshop and hasn't stopped since. He started working as a visual advertisement producer in 2017 and worked there for almost two years. In his spare time, he creates graphic collages and even had his first artwork exhibition at "Devilstone". Read more » Show All Contributors Get the latest inspiring stories via our awesome iOS app! Download Bored Panda app! Popular on Bored Panda Woman Shows How "Harry Potter" Characters Were Supposed To Look According To Book Descriptions (35 Pics) 50 ‘Weird Facts’ About The World That Might Give You A Fresh Perspective Overworked Employee Quits Because He Wasn't Getting A Fair Wage, Costs The Company $40 Million 40 Embarrassing Moments People Didn't Know Who They Were Talking To And Made A Fool Of Themselves 30 Of The Most Hectic Homes As Shared On 'The Broke Agent' Instagram Account Bride Doesn't Include Wedding Dinner Price In Her Wedding Invites, Is Surprised To See Many Guests Canceling On Her After They Find Out 30 Of The Most Hectic Homes As Shared On 'The Broke Agent' Instagram Account Bride Doesn't Include Wedding Dinner Price In Her Wedding Invites, Is Surprised To See Many Guests Canceling On Her After They Find Out I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life Start the discussion POST kurisutofu kurisutofu Community Member • points posts comments upvotes FollowUnfollow 1 year ago I went to open my first account in Japan. It was at Citibank. They explained that they would charge $50 per month if I had less than $500 in it. So I asked "so you take money from me if I don't have money?! Is that a joke?". He said it's standard at any bank. I laughingly said "no it's not" an opened somewhere else that doesn't have those fees, even though it was hard because I didn't speak Japanese. I will never even try another American bank. 32 32points reply Robert Libutti Robert Libutti Community Member • points posts comments upvotes FollowUnfollow 1 year ago Ha. I had this same experience. I opened with CitiBank (hilariously Shitibanku in Japanese) because I needed a place for my paychecks, rent, etc. Luckily I was able to maintain the minimum. After a few months, I was able to get my office manager on the phone to set up an account with Mizuho. That said, I've never had fees in the US on any bank. 4 4points reply Load More Replies... TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Bank of America takes 12 dollars a month if i don't maintain a particular minimum balance. 0 0points reply Mazer Mazer Community Member • points posts comments upvotes FollowUnfollow 1 year ago Get a credit union account 0 0points reply Damon Tripodi Damon Tripodi Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well you are paying them for the service -3 -3points reply Monica Monica Community Member • points posts comments upvotes FollowUnfollow 1 year ago The bank takes the money in its deposits and lends out some and invests some. If you get paid any interest at all it’s probably around 1%. So the bank is lending out your money for maybe 10% or more and giving you a tiny slice while paying their executives millions, the peon branch employees slightly more than fast food workers and getting government bailouts when the executives make bad decisions. They are plenty compensated for the basic service of a checking account. 1 1point reply TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Was talking to a buddy of mine a while back. He told me that he and his wife had a deal. If either one of them got really sick, they'd immediately get a divorce so they wouldn't totally destroy the family's finances. Why the hell should that even have to be on the table? To have to do such drastic measures just to avoid ruining your finances is just criminally depressing. 31 31points reply Monday Monday Community Member • points posts comments upvotes FollowUnfollow 1 year ago That is sad. Kudos to them for their creativity in finding a solution, but awful that they had to resort to a plan like that. 17 17points reply Load More Replies... Vivian Ashe Vivian Ashe Community Member • points posts comments upvotes FollowUnfollow 1 year ago This isn't even a new phenomenon. When I was in high school in the 80s, I had a teacher whose husband had terminal cancer. He committed suicide because he didn't want to leave his wife bankrupted by all his medical expenses. 5 5points reply Ivana Ivana Community Member • points posts comments upvotes FollowUnfollow 1 year ago When my husband was finishing up college it turned out that I was making too much money for him to get grants. We had only gotten married in the first place because I needed the student loans and my parents didn't do their taxes so the financial aid office told me to get listed as independent I needed to join the military, have a baby, or get married. So I offered to divorce him but when figured it out with the taxes that it wasn't worth the cost of the divorce. But 100% a great idea. I love my husband, but I will be more than happy to divorce him if one of us gets cancer. Marriage certificate is a financial document only as far as I am concerned. I have never viewed marriage as anything other than a financial arrangement. 3 3points reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago "The upper class: keeps all of the money, pays none of the taxes. The middle class: pays all of the taxes, does all of the work. The poor are there...just to scare the s**t out of the middle class." - George Carlin 2 2points reply Jane Alexander Jane Alexander Community Member • points posts comments upvotes FollowUnfollow 1 year ago So would the hospital then not allow visits because they were no longer related? 1 1point reply Leigh C. Leigh C. Community Member • points posts comments upvotes FollowUnfollow 1 year ago Maybe this is a good reason why some couples keep their finances separate but still support each other. That is a couple who's in it for the money. Sad. 1 1point reply MrOwlAteMyMetalWorm. MrOwlAteMyMetalWorm. Community Member • points posts comments upvotes 1 year ago You know I think it's gonna be all about finances in the near future.I am just gonna stay single and look at the skies to enjoy my life and then die young. 1 1point reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago Eddie Vedder had a great take on wealth: There's only two things I appreciate about finally having some money. The first is I no longer have to worry about money, & that's such a constant burden that's lifted. And secondly, I can help those in need or help righteous people or organizations that deserve it. Money is like fertilizer: If you spread it around it can do a world of good. If you don't, your selfish ass will end up with a pile of s**t. 18 18points reply Wendy Kaufman Wendy Kaufman Community Member • points posts comments upvotes FollowUnfollow 1 year ago The quote is "Money, pardon the expression, is like manure. It's not worth a thing unless it's spread around, encouraging young things to grow." Dolly Levi. 13 13points reply Load More Replies... Load More Comments POST kurisutofu kurisutofu Community Member • points posts comments upvotes FollowUnfollow 1 year ago I went to open my first account in Japan. It was at Citibank. They explained that they would charge $50 per month if I had less than $500 in it. So I asked "so you take money from me if I don't have money?! Is that a joke?". He said it's standard at any bank. I laughingly said "no it's not" an opened somewhere else that doesn't have those fees, even though it was hard because I didn't speak Japanese. I will never even try another American bank. 32 32points reply Robert Libutti Robert Libutti Community Member • points posts comments upvotes FollowUnfollow 1 year ago Ha. I had this same experience. I opened with CitiBank (hilariously Shitibanku in Japanese) because I needed a place for my paychecks, rent, etc. Luckily I was able to maintain the minimum. After a few months, I was able to get my office manager on the phone to set up an account with Mizuho. That said, I've never had fees in the US on any bank. 4 4points reply Load More Replies... TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Bank of America takes 12 dollars a month if i don't maintain a particular minimum balance. 0 0points reply Mazer Mazer Community Member • points posts comments upvotes FollowUnfollow 1 year ago Get a credit union account 0 0points reply Damon Tripodi Damon Tripodi Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well you are paying them for the service -3 -3points reply Monica Monica Community Member • points posts comments upvotes FollowUnfollow 1 year ago The bank takes the money in its deposits and lends out some and invests some. If you get paid any interest at all it’s probably around 1%. So the bank is lending out your money for maybe 10% or more and giving you a tiny slice while paying their executives millions, the peon branch employees slightly more than fast food workers and getting government bailouts when the executives make bad decisions. They are plenty compensated for the basic service of a checking account. 1 1point reply TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Was talking to a buddy of mine a while back. He told me that he and his wife had a deal. If either one of them got really sick, they'd immediately get a divorce so they wouldn't totally destroy the family's finances. Why the hell should that even have to be on the table? To have to do such drastic measures just to avoid ruining your finances is just criminally depressing. 31 31points reply Monday Monday Community Member • points posts comments upvotes FollowUnfollow 1 year ago That is sad. Kudos to them for their creativity in finding a solution, but awful that they had to resort to a plan like that. 17 17points reply Load More Replies... Vivian Ashe Vivian Ashe Community Member • points posts comments upvotes FollowUnfollow 1 year ago This isn't even a new phenomenon. When I was in high school in the 80s, I had a teacher whose husband had terminal cancer. He committed suicide because he didn't want to leave his wife bankrupted by all his medical expenses. 5 5points reply Ivana Ivana Community Member • points posts comments upvotes FollowUnfollow 1 year ago When my husband was finishing up college it turned out that I was making too much money for him to get grants. We had only gotten married in the first place because I needed the student loans and my parents didn't do their taxes so the financial aid office told me to get listed as independent I needed to join the military, have a baby, or get married. So I offered to divorce him but when figured it out with the taxes that it wasn't worth the cost of the divorce. But 100% a great idea. I love my husband, but I will be more than happy to divorce him if one of us gets cancer. Marriage certificate is a financial document only as far as I am concerned. I have never viewed marriage as anything other than a financial arrangement. 3 3points reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago "The upper class: keeps all of the money, pays none of the taxes. The middle class: pays all of the taxes, does all of the work. The poor are there...just to scare the s**t out of the middle class." - George Carlin 2 2points reply Jane Alexander Jane Alexander Community Member • points posts comments upvotes FollowUnfollow 1 year ago So would the hospital then not allow visits because they were no longer related? 1 1point reply Leigh C. Leigh C. Community Member • points posts comments upvotes FollowUnfollow 1 year ago Maybe this is a good reason why some couples keep their finances separate but still support each other. That is a couple who's in it for the money. Sad. 1 1point reply MrOwlAteMyMetalWorm. MrOwlAteMyMetalWorm. Community Member • points posts comments upvotes 1 year ago You know I think it's gonna be all about finances in the near future.I am just gonna stay single and look at the skies to enjoy my life and then die young. 1 1point reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago Eddie Vedder had a great take on wealth: There's only two things I appreciate about finally having some money. The first is I no longer have to worry about money, & that's such a constant burden that's lifted. And secondly, I can help those in need or help righteous people or organizations that deserve it. Money is like fertilizer: If you spread it around it can do a world of good. If you don't, your selfish ass will end up with a pile of s**t. 18 18points reply Wendy Kaufman Wendy Kaufman Community Member • points posts comments upvotes FollowUnfollow 1 year ago The quote is "Money, pardon the expression, is like manure. It's not worth a thing unless it's spread around, encouraging young things to grow." Dolly Levi. 13 13points reply Load More Replies... Load More Comments Popular on Bored Panda I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life 30 Y.O. Woman Takes DNA Test For Fun Only To Discover Her Long-Term Boyfriend Is Her Full Sibling "I Just Said Thank You And Left": Man’s Nice Gesture Is Praised After Pizza Hut Driver Got A $20 Tip On A $938 Order Woman Flabbergasted At Thrift Store's Prices, Calls Them Out By Sharing 14 Examples 50 Parents Having A Pretty Miserable Day Photoshop Troll Who Takes Photo Requests Too Literally Strikes Again, And The Result Is Hilarious (17 Pics) Popular on Bored Panda 30 Y.O. 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This Group Is Sharing Painful Truths And Jokes About Being Poor Here Are 40 Of The Best Interview
Rokas Laurinavičius andJustinas Keturka
Publish Not your original work? Add source Google "how to save money" and you'll get 3,740,000,000 results, promising you will be able to save up for any purchase if you just give them a click and scroll through their ads. Oops, I mean, text. Move over Jerome Powell, nowadays even teenage TikTokers are experts on macro and micro economy. Or are they? The members of the subreddit Poverty Finance: Personal Finance For The Financially Challenged don't think so. And when you look at their content, it becomes pretty difficult to disagree with them. These Redditors share actual financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. Oh, and they also torch pseudo financial gurus, burning their out-of-touch content to a crisp. My favorite. So this time, as an introduction to the online community, we'll focus on the jokes and memes they've collected since getting together in 2018. This post may include affiliate links. #1
Being Poor Is A Choice If You Play By The Rules You ll Be Safe Really Tell That To Him
OpeningCredit Report Final score: 795points POST Donna Watt Donna Watt Community Member • points posts comments upvotes FollowUnfollow 1 year ago I agree totally 191 191points reply View More Replies... View more comments A huge part of this community's charm is its inclusivity. "Much of the financial advice online and on Reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond," the people running the subreddit write in its 'About' section. "This is a place for people who do not have a lot, nor ideal circumstances, to help each other get by and hopefully move up in the world." #2Being Poor Is Expensive
rohantalbot Report Final score: 614points POST the child the child Community Member • points posts comments upvotes FollowUnfollow 1 year ago terry pratchett is such a good author 142 142points reply View More Replies... View more comments #3What A Lot Of Frugal Bloggers Don t Realize
_lizharvey , twitter.com Report Final score: 525points POST Alex Luiz Alex Luiz Community Member • points posts comments upvotes FollowUnfollow 1 year ago So true! Every time I read an article about saving money, I am already doing all of those things because I am poor. 141 141points reply View More Replies... View more comments As of this publication, it has 847K members and if you relate to Poverty Finance's content, we suggest you join them too. "You do not have to be absolutely destitute to be here. Whether you are a single parent only pulling 10K a year, or a single person trying to get past student loans at 28K, you are welcome here," the moderators say. "The goal here is to help anyone who doesn't have a lot of breathing room get to a place where they have stability, comfort, contingency, and maybe even a little luxury." #4So True It Hurts
crazyjuice__ , twitter.com Report Final score: 494points POST Abhinc Abhinc Community Member • points posts comments upvotes FollowUnfollow 1 year ago isn't it kinda disgusting that during lockdown and pandemic billionaire's wealth increased by more than 900 bilion dollars when so many people lost their jobs and houses ??? 209 209points reply View More Replies... View more comments #5Just A Holiday Reminder
GxldSociety Report Final score: 491points POST Otter Otter Community Member • points posts comments upvotes FollowUnfollow 1 year ago That's how I think about unnecessary purchases. "Well, this coat will cost me three days work", or renting a movie will cost five minutes work, or and a possible vacation will cost two weeks work or whatever. Thinking about whether an item is worth the amount of work put into buying it really puts things into perspective! 125 125points reply View More Replies... View more comments We contacted the moderator team and one of them was kind enough to spare their morning break for us. Regarding the content on the subreddit, they told Bored Panda: "There are fewer themes and more cyclical subject matters that come up depending upon the time of the year and the current economic and social ongoings. Right this moment, questions about housing, the moratoriums, how to get an apartment with low credit, or whether even buying a house is within the budget of those who fit within the national and international descriptions of low income/poverty line." As an example, the moderator took us back a few months ago when there were many questions regarding the Emergency Broadband Benefit program issued by the government. But with fall fast approaching, they think the subreddit will soon see questions about how to get supplies for students and questions on how to qualify for free or reduced lunches at school." #6Had A Good Laugh At This
YoungFunE Report Final score: 483points POST V Martinez V Martinez Community Member • points posts comments upvotes FollowUnfollow 1 year ago Love this! I think I'll go out today and invest in some avocados. I finished my last investment (bananas), and want a change now. 107 107points reply View More Replies... View more comments #7*Sad Noises*
eleanormtweets Report Final score: 458points POST TmKhr TmKhr Community Member • points posts comments upvotes FollowUnfollow 1 year ago This is exactly my situation. Rent is almost 900e/month. If I somehow managed to save 4000-6000e, I could ask for a loan at the bank and buy a nice place at 120k. And pay that 500e or something a month for 25 years. But I can't save much because my pay is 1900e / month and over half goes to rent and bills. 73 73points reply View More Replies... View more comments "Once we approach November to December, we will be fielding questions with regards to worries about being able to afford gifts for their children, how to survive the holidays if you are economically disadvantaged," they continued. "Year-round common subject matters tend to be where to find the resources for food, someone to handhold or direct on how to apply for SNAP/EBT, Section 8 Housing, the hardships of just existing in society this day and age and just looking for some emotional support from their economic peers." According to the moderator, their community is mostly composed of those who have or are currently experiencing poverty. "Whether it's [someone who faces] generational poverty, long-term poverty, short-term poverty, or self-identify as low income for their various regions. We have those who have made it out and into the middle class but are still dealing with the after-effects of having experienced poverty short or long term and the problems that that in and of itself brings." #8Financial Health Is The Best Form Of Therapy
caitiehannan Report Final score: 438points POST Jo Johannsen Jo Johannsen Community Member • points posts comments upvotes FollowUnfollow 1 year ago Money doesn't buy happiness, but it does buy food, housing, heat, clothing.... 135 135points reply View More Replies... View more comments #9Can Anyone Explain Where My Starbucks Money Is Going
MattBellassai Report Final score: 401points POST Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 1 year ago (edited) Not drinking enough coffee. You could be a billionaire when you're high on caffeine. Infact, you could be anything. 47 47points reply View More Replies... View more comments Certified financial planner and frequent contributor to Forbes, Jeff Rose, agrees that there is no shortage of bad financial advice in this world. Rose finds it especially troubling when some of them become so widely spread, so championed, that people actually start blindly following them. The financial planner believes the most harmful tips are: 1. Never use credit cards; 2. Don't waste money on conveniences; 3. All debt is bad; 4. Getting a tax refund is bad; 5. Always get the 401k match; 6. Your home is your most valuable asset. Click here if you want to read Rose's thoughts on each point. Talking about bad financial advice, the moderator of Poverty Finance thinks it has to do less with authors and influencers being out of touch and more with the fact that one size rarely fits all. "More and more people gain access to technology that's being developed to give the everyman more access over their finances and their financial future," they explained. "Things that were previously thought to be the purview of just the upper class or left to the financial professionals who knew better." #10Pretty Much
InternetHippo Report Final score: 396points POST Abhinc Abhinc Community Member • points posts comments upvotes FollowUnfollow 1 year ago and there are still people that work so hard but still have to live in their car ... 74 74points reply View More Replies... View more comments #11Stress
jfitzgeraldMD Report Final score: 386points POST Grumble O'Pug Grumble O'Pug Community Member • points posts comments upvotes FollowUnfollow 1 year ago At least someone is getting that info to doctors 88 88points reply View More Replies... View more comments But they wonder if it can also be a sign of gatekeeping: "Oh, you're poor? Then you have no need for financial advice, it won't benefit you or the maintenance costs made what amount you wanted to add in, too costly and pointless. You can't come up with 10k to open an investment account? They don't want to deal with you. Salary jobs usually come with a 401k, hourly jobs at McDonald's and the like generally do not, and so you're left on your own to figure it out because no one will help you." The good thing is that technology might be starting to bridge that. "People realize that there are far more low-income and middle-income individuals with a willingness and ability to put away ten, twenty, a hundred, five hundred a month into an account. Who care about not having to work once they hit sixty-five. A neglected and overlooked economic subset who have a significant buying power en mass. But the advice isn't there from the usual places because their advice only works for the upper income. For the gross amounts of money vs the smaller amounts," the moderator added. #12I Know Many Of Us Are Taking Responsibility For Our Part But
wendi_c_thomas Report Final score: 386points POST Abhinc Abhinc Community Member • points posts comments upvotes FollowUnfollow 1 year ago (edited) a decent minimum wage IS the way to go !!! i'll say it again and again because people need to realize the sad truth and stop accepting being exploited and blamed for being poor !!! the whole system is f###ed up. The federal minimum wage of $7.25 is worth $2 less today than it was in 1968 when adjusted for inflation. Today, the minimum wage, which hasn’t increased since 2009, falls short of a living wage. According to the EPI study, a full-time worker would need to earn $11.06 an hour in 2011 to keep a family of four out of poverty. Over the past 50 years, the minimum wage has seen little to no growth as worker productivity has surged. In fact, if the minimum wage kept pace with increases in worker productivity, it would now stand at $21.72 per hour. it is time for a change !!! 73 73points reply View More Replies... View more comments #13It s Not That Hard
TheAndrewNadeau Report Final score: 363points POST Vorknkx Vorknkx Community Member • points posts comments upvotes FollowUnfollow 1 year ago I am devastated with guilt that I wasn't born to rich parents. What was I thinking?!? 173 173points reply View More Replies... View more comments But the reality is a bit worrying. Financial literacy - defined as the knowledge and understanding of areas related to personal finance, money, and investing - has been in decline. In 2009, 42% of respondents were able to answer four or more questions correctly in a five-question survey on fundamental concepts of economics and personal finance. By 2018 this dropped 8 percentage points to 34%. What's even more alarming, less than one-third of adults understand three basic financial literacy topics by age 40, although many important financial decisions are made decades earlier. Under such circumstances, (online) communities like this one might be doing society more good than we can imagine. #14Money Saving Tip
TheBashBuzz Report Final score: 356points POST MrOwlAteMyMetalWorm. MrOwlAteMyMetalWorm. Community Member • points posts comments upvotes 1 year ago (edited) They are not everywhere.Distance costs money but the peace and books are worth more than anything. *sighs 38 38points reply View more comments #15Me Organizing My Finances
min_mus Report Final score: 328points POST Auntriarch Auntriarch Community Member • points posts comments upvotes FollowUnfollow 1 year ago Snort-laugh! 55 55points reply View more comments #16To Be Honest
heyzo_ Report Final score: 316points POST Konpat Konpat Community Member • points posts comments upvotes FollowUnfollow 1 year ago I come from a poor family and I am affluent now in my adult life. Boy is it fantastic to be able to buy stuff spontaneously without checking your account first! It's just such a huge relieve to not have sorrows about your financial situation. Makes a World of a difference. 82 82points reply View More Replies... View more comments #17I Felt That While I Laughed
savvysims Report Final score: 314points POST Andrew Gibb Andrew Gibb Community Member • points posts comments upvotes FollowUnfollow 1 year ago I'd laugh, but this isn't funny 113 113points reply View More Replies... View more comments #18I ve Never Felt More Prepared
SomebodysColdOne Report Final score: 304points POST Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 1 year ago Better still, 'experienced poor' 90 90points reply View More Replies... View more comments #19Ain t That The Truth
angellenise Report Final score: 268points POST Legen ( wait for it ) dary Legen ( wait for it ) dary Community Member • points posts comments upvotes FollowUnfollow 1 year ago That's what I say to people who say that. 26 26points reply View more comments #20Poverty Marriage
joeygllghr Report Final score: 263points POST Bacony Cakes Bacony Cakes Community Member • points posts comments upvotes FollowUnfollow 1 year ago They had us in the first half. 51 51points reply View More Replies... View more comments #21One Star
pizza-bunny Report Final score: 263points POST alwaysMispelled alwaysMispelled Community Member • points posts comments upvotes FollowUnfollow 1 year ago I have never felt so seen, Lol 62 62points reply View More Replies... View more comments See Also on Bored Panda Woman Shows How "Harry Potter" Characters Were Supposed To Look According To Book Descriptions (35 Pics) 50 ‘Weird Facts’ About The World That Might Give You A Fresh Perspective #22Amirite
AndThenChineseFooood Report Final score: 253points POST Ozacoter Ozacoter Community Member • points posts comments upvotes 1 year ago Or illness 56 56points reply View More Replies... View more comments #23Overdraft Fees Cripple People Already Struggling Financially
the_razzlesnake , twitter.com Report Final score: 248points POST Lovin' Life Lovin' Life Community Member • points posts comments upvotes FollowUnfollow 1 year ago It's just sad! It's like you're being punished for being poor. 53 53points reply View More Replies... View more comments #24It Never Ends
emericee Report Final score: 239points POST Abhinc Abhinc Community Member • points posts comments upvotes FollowUnfollow 1 year ago (edited) YES !!! blaming people instead of addressing the system is NOT the solution 53 53points reply View More Replies... View more comments #25It s Almost Offensive Right
UpYours003 Report Final score: 231points POST Trex Trex Community Member • points posts comments upvotes FollowUnfollow 1 year ago Why do companies ask people who have significantly less $ than said company to donate? Donate your $ big companies. 73 73points reply View More Replies... View more comments #26Well It s Technically A Phone Number
thebestbobever Report Final score: 230points POST Grumble O'Pug Grumble O'Pug Community Member • points posts comments upvotes FollowUnfollow 1 year ago Laughing and crying at the same time 69 69points reply View more comments #27Santa Won t Bring Me Rent Money
RobbieDigital88 Report Final score: 229points POST ravina nimje ravina nimje Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well spent money. 36 36points reply View more comments #28Big Poverty
BenjaminPDixon Report Final score: 225points POST John Topper John Topper Community Member • points posts comments upvotes FollowUnfollow 1 year ago Of course there is. Nothing easier than taking advantage of someone who can't afford to fight back. It's the socioeconomic equivalent of beating up crippled people. 78 78points reply View More Replies... View more comments #29Finally Figured It Out
uhhdamn Report Final score: 219points POST DE Ray DE Ray Community Member • points posts comments upvotes FollowUnfollow 1 year ago My work took out a life insurance policy on me because I was "so valuable to the company". It was for seven times what they paid me annually. 60 60points reply View More Replies... View more comments #30It s Fine I Didn t Want To Have Fun Anyway
pennhardaway Report Final score: 219points POST Vorknkx Vorknkx Community Member • points posts comments upvotes FollowUnfollow 1 year ago And even if there is no engine ot check, something else will always pop up... like a mysterious new pain in a body part that used to work fine before. 51 51points reply View More Replies... View more comments #31Breaking News Millennials Are Still Poor
gangbangkang Report Final score: 215points POST Konpat Konpat Community Member • points posts comments upvotes FollowUnfollow 1 year ago Duh! 39 39points reply View more comments See Also on Bored Panda Overworked Employee Quits Because He Wasn't Getting A Fair Wage, Costs The Company $40 Million 40 Embarrassing Moments People Didn't Know Who They Were Talking To And Made A Fool Of Themselves #32Oof
Sugm4dig Report Final score: 210points POST Vasana Phong Vasana Phong Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well if you want to look on the bright side of things, we poor folks are always ready for that struggle battle, and come out of it alive until the next one comes along 27 27points reply View More Replies... View more comments #33Here s How To Pay Off Your Debt
ariel_rubinstein Report Final score: 196points POST Grumble O'Pug Grumble O'Pug Community Member • points posts comments upvotes FollowUnfollow 1 year ago No moves available 40 40points reply View More Replies... View more comments #34Save Half Your Paycheck Regardless Of Whatever Else You Have To Pay For Regardless Of What You Earn I Guess
Iusemyhands Report Final score: 190points POST Ozacoter Ozacoter Community Member • points posts comments upvotes 1 year ago Lets see. I earn 0 euros a month and need to spend minimum 90 euros/m for insurance, plus food, medicines, doctors and other expenses. How much will I have if I save -100 euros a month? 25 25points reply View More Replies... View more comments #35And It Also Doesn t Have Debt
InAFloodplain Report Final score: 182points POST Andrew Gibb Andrew Gibb Community Member • points posts comments upvotes FollowUnfollow 1 year ago Pigeon breast cooked in a herb and cracked pepper butter, with a red wine and plum sauce reduction on a bed of sorrel leaves. And $20 to spend on drugs and alcohol. 57 57points reply View More Replies... View more comments #36Two Ways
viachicago22 Report Final score: 175points POST Alex Luiz Alex Luiz Community Member • points posts comments upvotes FollowUnfollow 1 year ago I have just been able to retrain for a job that will pay me more, with a government grant and £10 000 of debt. I mean, I worked hard, but essentially I paid for a qualification in order to earn slightly more money, which I will now spend several years of my life working off. I do wonder if it was worth it. 31 31points reply View More Replies... View more comments #37This Hit Me Hard
bonoboalien Report Final score: 157points POST Rebekah Krause Rebekah Krause Community Member • points posts comments upvotes FollowUnfollow 1 year ago YES. Double if you have a sibling doing better than you, that your parents like better, but you’re still the retirement plan. 30 30points reply View More Replies... View more comments #38Game Stop Stock
JUSTINtime4aLAF Report Final score: 153points POST Grumble O'Pug Grumble O'Pug Community Member • points posts comments upvotes FollowUnfollow 1 year ago Gamestop 49 49points reply View More Replies... View more comments #39Poor People Are Just Bad At Saving Money
saul2015 Report Final score: 140points POST Lovin' Life Lovin' Life Community Member • points posts comments upvotes FollowUnfollow 1 year ago The rich are just too good at taking poor man's money 37 37points reply View more comments #40So True
nokia621 Report Final score: 122points POST Katia Wolfe Katia Wolfe Community Member • points posts comments upvotes FollowUnfollow 1 year ago There are only houses in this price range in some states. Definitely not California! 16 16points reply View More Replies... View more comments Note: this post originally had 51 images. It’s been shortened to the top 40 images based on user votes. Anyone can write on Bored Panda. Start writing! Follow Bored Panda on Google News! Follow us on Flipboard.com/@boredpanda! Add New Image Add Your Photo To This List Please use high-res photos without watermarks Upload Photo Ooops! Your image is too large, maximum file size is 8 MB. Not your original work? Add source Publish Change image Upload Photo Ooops! Your image is too large, maximum file size is 8 MB. Upload Upload Edit Image Error occurred when generating embed. Please check link and try again. Render conversationUse html version
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Title Update Rokas Laurinavičius Rokas Laurinavičius Writer, BoredPanda staff Rokas is a writer at Bored Panda with a BA in Communication. After working for a sculptor, he fell in love with visual storytelling and enjoys covering everything from TV shows (any Sopranos fans out there?) to photography. Throughout his years in Bored Panda, over 235 million people have read the posts he's written, which is probably more than he could count to. Read more » Justinas Keturka Justinas Keturka Author, BoredPanda staff Justin is a photo editor at Bored Panda. He was fascinated with visual arts and arts in general for as long as he can remember. He was obsessed with playing and making music in his teens. After finishing high school, he took a gap year to work odd jobs and try to figure out what he wanted to do next. Finally, around 2016, he started learning how to use Photoshop and hasn't stopped since. He started working as a visual advertisement producer in 2017 and worked there for almost two years. In his spare time, he creates graphic collages and even had his first artwork exhibition at "Devilstone". Read more » Show All Contributors Get the latest inspiring stories via our awesome iOS app! Download Bored Panda app! Popular on Bored Panda Woman Shows How "Harry Potter" Characters Were Supposed To Look According To Book Descriptions (35 Pics) 50 ‘Weird Facts’ About The World That Might Give You A Fresh Perspective Overworked Employee Quits Because He Wasn't Getting A Fair Wage, Costs The Company $40 Million 40 Embarrassing Moments People Didn't Know Who They Were Talking To And Made A Fool Of Themselves 30 Of The Most Hectic Homes As Shared On 'The Broke Agent' Instagram Account Bride Doesn't Include Wedding Dinner Price In Her Wedding Invites, Is Surprised To See Many Guests Canceling On Her After They Find Out 30 Of The Most Hectic Homes As Shared On 'The Broke Agent' Instagram Account Bride Doesn't Include Wedding Dinner Price In Her Wedding Invites, Is Surprised To See Many Guests Canceling On Her After They Find Out I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life Start the discussion POST kurisutofu kurisutofu Community Member • points posts comments upvotes FollowUnfollow 1 year ago I went to open my first account in Japan. It was at Citibank. They explained that they would charge $50 per month if I had less than $500 in it. So I asked "so you take money from me if I don't have money?! Is that a joke?". He said it's standard at any bank. I laughingly said "no it's not" an opened somewhere else that doesn't have those fees, even though it was hard because I didn't speak Japanese. I will never even try another American bank. 32 32points reply Robert Libutti Robert Libutti Community Member • points posts comments upvotes FollowUnfollow 1 year ago Ha. I had this same experience. I opened with CitiBank (hilariously Shitibanku in Japanese) because I needed a place for my paychecks, rent, etc. Luckily I was able to maintain the minimum. After a few months, I was able to get my office manager on the phone to set up an account with Mizuho. That said, I've never had fees in the US on any bank. 4 4points reply Load More Replies... TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Bank of America takes 12 dollars a month if i don't maintain a particular minimum balance. 0 0points reply Mazer Mazer Community Member • points posts comments upvotes FollowUnfollow 1 year ago Get a credit union account 0 0points reply Damon Tripodi Damon Tripodi Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well you are paying them for the service -3 -3points reply Monica Monica Community Member • points posts comments upvotes FollowUnfollow 1 year ago The bank takes the money in its deposits and lends out some and invests some. If you get paid any interest at all it’s probably around 1%. So the bank is lending out your money for maybe 10% or more and giving you a tiny slice while paying their executives millions, the peon branch employees slightly more than fast food workers and getting government bailouts when the executives make bad decisions. They are plenty compensated for the basic service of a checking account. 1 1point reply TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Was talking to a buddy of mine a while back. He told me that he and his wife had a deal. If either one of them got really sick, they'd immediately get a divorce so they wouldn't totally destroy the family's finances. Why the hell should that even have to be on the table? To have to do such drastic measures just to avoid ruining your finances is just criminally depressing. 31 31points reply Monday Monday Community Member • points posts comments upvotes FollowUnfollow 1 year ago That is sad. Kudos to them for their creativity in finding a solution, but awful that they had to resort to a plan like that. 17 17points reply Load More Replies... Vivian Ashe Vivian Ashe Community Member • points posts comments upvotes FollowUnfollow 1 year ago This isn't even a new phenomenon. When I was in high school in the 80s, I had a teacher whose husband had terminal cancer. He committed suicide because he didn't want to leave his wife bankrupted by all his medical expenses. 5 5points reply Ivana Ivana Community Member • points posts comments upvotes FollowUnfollow 1 year ago When my husband was finishing up college it turned out that I was making too much money for him to get grants. We had only gotten married in the first place because I needed the student loans and my parents didn't do their taxes so the financial aid office told me to get listed as independent I needed to join the military, have a baby, or get married. So I offered to divorce him but when figured it out with the taxes that it wasn't worth the cost of the divorce. But 100% a great idea. I love my husband, but I will be more than happy to divorce him if one of us gets cancer. Marriage certificate is a financial document only as far as I am concerned. I have never viewed marriage as anything other than a financial arrangement. 3 3points reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago "The upper class: keeps all of the money, pays none of the taxes. The middle class: pays all of the taxes, does all of the work. The poor are there...just to scare the s**t out of the middle class." - George Carlin 2 2points reply Jane Alexander Jane Alexander Community Member • points posts comments upvotes FollowUnfollow 1 year ago So would the hospital then not allow visits because they were no longer related? 1 1point reply Leigh C. Leigh C. Community Member • points posts comments upvotes FollowUnfollow 1 year ago Maybe this is a good reason why some couples keep their finances separate but still support each other. That is a couple who's in it for the money. Sad. 1 1point reply MrOwlAteMyMetalWorm. MrOwlAteMyMetalWorm. Community Member • points posts comments upvotes 1 year ago You know I think it's gonna be all about finances in the near future.I am just gonna stay single and look at the skies to enjoy my life and then die young. 1 1point reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago Eddie Vedder had a great take on wealth: There's only two things I appreciate about finally having some money. The first is I no longer have to worry about money, & that's such a constant burden that's lifted. And secondly, I can help those in need or help righteous people or organizations that deserve it. Money is like fertilizer: If you spread it around it can do a world of good. If you don't, your selfish ass will end up with a pile of s**t. 18 18points reply Wendy Kaufman Wendy Kaufman Community Member • points posts comments upvotes FollowUnfollow 1 year ago The quote is "Money, pardon the expression, is like manure. It's not worth a thing unless it's spread around, encouraging young things to grow." Dolly Levi. 13 13points reply Load More Replies... Load More Comments POST kurisutofu kurisutofu Community Member • points posts comments upvotes FollowUnfollow 1 year ago I went to open my first account in Japan. It was at Citibank. They explained that they would charge $50 per month if I had less than $500 in it. So I asked "so you take money from me if I don't have money?! Is that a joke?". He said it's standard at any bank. I laughingly said "no it's not" an opened somewhere else that doesn't have those fees, even though it was hard because I didn't speak Japanese. I will never even try another American bank. 32 32points reply Robert Libutti Robert Libutti Community Member • points posts comments upvotes FollowUnfollow 1 year ago Ha. I had this same experience. I opened with CitiBank (hilariously Shitibanku in Japanese) because I needed a place for my paychecks, rent, etc. Luckily I was able to maintain the minimum. After a few months, I was able to get my office manager on the phone to set up an account with Mizuho. That said, I've never had fees in the US on any bank. 4 4points reply Load More Replies... TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Bank of America takes 12 dollars a month if i don't maintain a particular minimum balance. 0 0points reply Mazer Mazer Community Member • points posts comments upvotes FollowUnfollow 1 year ago Get a credit union account 0 0points reply Damon Tripodi Damon Tripodi Community Member • points posts comments upvotes FollowUnfollow 1 year ago Well you are paying them for the service -3 -3points reply Monica Monica Community Member • points posts comments upvotes FollowUnfollow 1 year ago The bank takes the money in its deposits and lends out some and invests some. If you get paid any interest at all it’s probably around 1%. So the bank is lending out your money for maybe 10% or more and giving you a tiny slice while paying their executives millions, the peon branch employees slightly more than fast food workers and getting government bailouts when the executives make bad decisions. They are plenty compensated for the basic service of a checking account. 1 1point reply TrickQuestion TrickQuestion Community Member • points posts comments upvotes FollowUnfollow 1 year ago Was talking to a buddy of mine a while back. He told me that he and his wife had a deal. If either one of them got really sick, they'd immediately get a divorce so they wouldn't totally destroy the family's finances. Why the hell should that even have to be on the table? To have to do such drastic measures just to avoid ruining your finances is just criminally depressing. 31 31points reply Monday Monday Community Member • points posts comments upvotes FollowUnfollow 1 year ago That is sad. Kudos to them for their creativity in finding a solution, but awful that they had to resort to a plan like that. 17 17points reply Load More Replies... Vivian Ashe Vivian Ashe Community Member • points posts comments upvotes FollowUnfollow 1 year ago This isn't even a new phenomenon. When I was in high school in the 80s, I had a teacher whose husband had terminal cancer. He committed suicide because he didn't want to leave his wife bankrupted by all his medical expenses. 5 5points reply Ivana Ivana Community Member • points posts comments upvotes FollowUnfollow 1 year ago When my husband was finishing up college it turned out that I was making too much money for him to get grants. We had only gotten married in the first place because I needed the student loans and my parents didn't do their taxes so the financial aid office told me to get listed as independent I needed to join the military, have a baby, or get married. So I offered to divorce him but when figured it out with the taxes that it wasn't worth the cost of the divorce. But 100% a great idea. I love my husband, but I will be more than happy to divorce him if one of us gets cancer. Marriage certificate is a financial document only as far as I am concerned. I have never viewed marriage as anything other than a financial arrangement. 3 3points reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago "The upper class: keeps all of the money, pays none of the taxes. The middle class: pays all of the taxes, does all of the work. The poor are there...just to scare the s**t out of the middle class." - George Carlin 2 2points reply Jane Alexander Jane Alexander Community Member • points posts comments upvotes FollowUnfollow 1 year ago So would the hospital then not allow visits because they were no longer related? 1 1point reply Leigh C. Leigh C. Community Member • points posts comments upvotes FollowUnfollow 1 year ago Maybe this is a good reason why some couples keep their finances separate but still support each other. That is a couple who's in it for the money. Sad. 1 1point reply MrOwlAteMyMetalWorm. MrOwlAteMyMetalWorm. Community Member • points posts comments upvotes 1 year ago You know I think it's gonna be all about finances in the near future.I am just gonna stay single and look at the skies to enjoy my life and then die young. 1 1point reply Whitey Black Whitey Black Community Member • points posts comments upvotes FollowUnfollow 1 year ago Eddie Vedder had a great take on wealth: There's only two things I appreciate about finally having some money. The first is I no longer have to worry about money, & that's such a constant burden that's lifted. And secondly, I can help those in need or help righteous people or organizations that deserve it. Money is like fertilizer: If you spread it around it can do a world of good. If you don't, your selfish ass will end up with a pile of s**t. 18 18points reply Wendy Kaufman Wendy Kaufman Community Member • points posts comments upvotes FollowUnfollow 1 year ago The quote is "Money, pardon the expression, is like manure. It's not worth a thing unless it's spread around, encouraging young things to grow." Dolly Levi. 13 13points reply Load More Replies... Load More Comments Popular on Bored Panda I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life 30 Y.O. Woman Takes DNA Test For Fun Only To Discover Her Long-Term Boyfriend Is Her Full Sibling "I Just Said Thank You And Left": Man’s Nice Gesture Is Praised After Pizza Hut Driver Got A $20 Tip On A $938 Order Woman Flabbergasted At Thrift Store's Prices, Calls Them Out By Sharing 14 Examples 50 Parents Having A Pretty Miserable Day Photoshop Troll Who Takes Photo Requests Too Literally Strikes Again, And The Result Is Hilarious (17 Pics) Popular on Bored Panda 30 Y.O. 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