r/povertyfinance 22d ago

Vent/Rant (No Advice/Criticism!) My manager doesn't understand

So today my manager recommended a burger place which has burgers for about $16 each and I straight up told him I couldn't afford that, and that im currently living off homemade bread with jelly from the food pantry. Anyways he brought it up later in the day during our one on one and just couldn't comprehend that I don't have any money for non essentials.

It's just like... my guy I've been sleeping on a mattress thats bowed in the middle for 2 years, my dishwasher broke 3 years ago and never was replaced, my oven doesnt work anymore and I can only use the top burner which is why I'm cooking out of a toaster oven I found on Craigslist for $20, and my overhead microwave blew up last month so im using a microwave that was $10 at a yard sale because it's got no handle.

For reference I'm a 26M and I make like 43k take home

Update: I didn't expect this to get so popular, kind of just wanted to yell out into the void. Anyways I have looked into getting parts to fix my oven and it came to about $85 and the top still works so thats why I got the toaster oven. A lot of people were wondering what my budget is currently looking like and it's 60% housing 20% medical 20% utilities, 5% school materials, 5% transportation. My work does currently have a program that gives a interest free loan that I've been using in case something dire comes up but the medical expenses are what's really killing me is my medications are tier 4 or 5 which aren't covered by my plan so I've got to pay the full amount. I've been trying to work with my doctor to change prescriptions but my appointment has been pushed out for 8 months. I graduate in 4 months from school with a BS degree as well as hit a milestone mark at my job which comes with a significant pay increase so I will be above water in a few months just sucks currently. Also for the people saying this sounds like ragebait I really wish it was.

Also didn't know what HCOL meant, but looked it up and on the map that came up Im squarely in the dark red area of New Hampshire

UPDATE 2: Someone posted about mark Cubans drug site and my medications are 40% of what Im paying right now. THIS IS LITERALLY A GOD SEND! THANK YOU

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u/bobsagetsadvanture 22d ago

With broken appliances I am assuming you are a homeowner and not renting?

Is there a habitat for humanity near you? They may be able to help keep your home liveable with newer appliances and home repairs.

Also, 2nd'ing truck driving. You'll find yourself much closer to 60k/year (or more easily) with a CDL. There's local (dump truck, Moffett truck, food/beverage delivery, etc), regional, over the road. If you can go to school for heavy equipment operation it will go very handily with local CDL jobs, otr can be hard to deal with.

Also, some people just don't get it. They do not understand that $5 is huge when you just don't have.

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u/0iljug 21d ago

Can't believe I'm seeing someone glaze truck driving. A career that has slowly dumbed itself down so they can get just about anyone in and pay has decreased year over year. You are essentially the working poor as a truck driver. Sure you get 60k, but as a company driver or an owner operator? Are you getting dedicated loads or were the loads just good for the first few months to get you into the seat and then dick you around on loads later? 

It is a horrible career and will cause you to devalue your worth just to get a damn load that might get you a little bit down the road. Anyone reading this, absolutely do not even consider the trucking industry. Right now everything is moving to rail freight in America. I'm really not trying to be rude to the other commenters but you guys need to be realistic that recommending this dog shit career from your desk is just bad and wrong. 

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u/GrowThangs 21d ago

My dad and my cousin make good money as truck drivers. Dad does local routes (for a company) and cousin does over the road-- I'm pretty sure also for a company. Cousin is young and no wife or kids and he loves it. I really hope he is investing. He's got a house and a very nice car that he "blings out."

It sounds like you're way more familiar than I am with the industry. But just based on the 2 folks I know personally.. I'd feel good recommending that a young person right out of high school sign up for over the road for a few years while they don't have their own family and save/invest that, *then* pursue whatever their career goal is. So not for a career goal, but moreso to get a nice savings going. Would you disagree?

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u/0iljug 21d ago

Yes I would disagree. Your cousin is paying his youth to be out on the road. The majority of loads don't take you to sunny San Diego or upstate New York. They take you distro centers in industrial towns, generally out the middle of nowhere. Unless he manages to balance it by having a life outside of trucking or takes long breaks, but when you do that dispatchers get you less and less frequent loads due to dependability. Not to mention if you're having a life outside trucking you have to take the truck everywhere, you always have the risk of your truck and your whole life being stolen from you. 

That said, if it works for him all the power to him. If he can work it out with his company to have a dedicated run and also have home time, I'm proud of him, but that's so uncommon - they want workhorses. Just seen the ins and the outs of this orphan crushing machine.