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Boy joyfully greeting his mom at daycare pickup for five years is the cutest compilation ever

That squeal of delight is just too precious.

@TeesePeese/Twitter

A mom shared five years of daycare pickups, with her son squealing in delight every time.

There is nothing more pure in this world than the love between a child and a caring parent. But even in the world of healthy attachments and strong family bonds, this viral video takes the cake. Twitter user @TeesePeese shared a compilation of highlights showing her son's reaction at daycare pickup, and it's seriously the most precious thing ever.

"I really do love this video," she wrote. "I recorded my son's pick up almost every day and this is his reaction every single time. For his 5th bday (yesterday) I took my favorites and made a lil compilation, from infancy to just last week." The squeals. The smiles. The skipping for joy. Gracious, it doesn't get any sweeter.

 

Clearly that's a boy who adores his mama—and also has an adorable sense of enthusiasm.

Some new parents may worry that sending their child to daycare will negatively affect their child's attachment to them, but according to psychologist Noam Shpancer Ph.D, that worry is unfounded as long as the family environment is healthy at home.

"Available data indicate that, for most children, parental attachment processes are not disrupted by daycare participation," Shpanccer noted in a 2017 article for Psychology Today. "Home variables, such as maternal sensitivity, are the strongest predictors of parent-child attachment, even for daycare children."

Clearly this kiddo's parent-child attachment hasn't suffered from being in daycare. Research also shows what common sense should also tell us—the quality of daycare matters.

 daycare, kids, parenting, quality, childcare Kids in daycare. Canva Photos.

Unfortunately, quality daycare can be prohibitively expensive, which is why the proposed affordable childcare provisions in former President Joe Biden's 2021 Build Back Better plan were a huge deal during his administration. Millions of parents have to work to support their families and middle-class American families spent an average of 14% of their income on childcare in 2021—double what the limit was under the Build Back Better framework. in 2025, that number has ballooned to 22% according to Care.com's annual Cost for Care Report.

The U.S. remains an outlier in this area. According to The New York Times in 2021, other wealthy nations contribute an average of $14,000 per year for a toddler's child care costs, while the U.S. contributes merely $500. In 2024, Statista revealed U.S. couples with two children must spend 20% of their disposable income on childcare while single parents spend 37%, according to data gathered in 2022 from the OECD. In comparison, in Switzerland, the second most expensive OECD country in the world, single parents must contribute only 18% of their income if working full-time. It's a huge difference no matter how you look at it, and in 2023, former U.S. Treasury Secretary Janet Yellen called the state of childcare in the U.S. a "broken market."

 finances, childcare, costs, parenting, daycare The state of childcare in the U.S. has been called a "broken market."Canva Photos.

The virtues of stay-at-home motherhood versus working motherhood have been debated for decades, but no one can deny that childcare should be high quality and affordable whether a parent chooses to work or has to work. Personally, I was able to and chose to stay home during my kids' early childhoods, but I would be thrilled for my tax dollars to go toward helping all families get the support and childcare they need to make their individual situations work.

At any rate, we love seeing kiddos loving on their mamas, especially ones with infectious grins and delight-filled squeals. Thanks for capturing your sweet boy's joy and sharing it with the rest of us @TeesePeese. You brought smiles to so many faces.

This article originally appeared four years ago. It has been updated.

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Internet

Growing up poor can make you grateful for little things others take for granted

Even years after gaining financial stability, being able to afford "small luxuries" still feels surreal.

Photo credit: Canva

Fresh flowers are a huge splurge for many people.

People who grow up with financial stability—not necessarily wealthy or well-off, just financially comfortable—may not have any clue what it's like to truly worry about money. Not being able to afford everything you want is vastly different from not being able to afford everything you need, and those in the latter category have experiences and relationships with money that are unique to being poor.

In fact, as a thread on X shows growing up poor can create a lifelong perspective on spending money that ultimately leads to gratitude for things others often take for granted. A post asked people who grew up poor but are now financially stable to share small luxuries that still feel surreal, and the answers are eye-opening. Those who didn't grow up poor might expect answers like "being able to buy name brand shoes" or "being able to afford a concert ticket," but the "small luxuries" are a lot less luxurious than that.

 
 

"Real food storage containers, not the used margarine and cool whip tubs!" shared one person. While some people might choose to recycle food containers that way for environmental reasons, storing food in recycled plastic containers that aren't meant for that purpose can be unhealthy. Having a set of dedicated food storage containers is a big deal.

Another response was "Just having bills on autopay." People who aren't struggling to make ends meet each month can put their bills on autopay and not worry about whether the money to pay them will be in the account on the withdrawal date. People who are struggling often have to carefully track and and manage dates and amounts so as to not overdraw their account, which leads to more fees.

 
 

Many people talked about having a reliable car:

"Having a reliable car. AC works. Tires are good and under a warranty. Seats are heated or cooled front and back. Steering wheel is heated. With a remote start so it can be warmed up or cooled off by the time I get to it. And if something does go wrong AAA will come and save me."

"Affording safe tires and vehicle repairs."

"Running AC in my car without worrying about the car overheating. When I was a kid, our cars would overheat and we had to blast the heater in the middle of summer to cool it down."

And simply filling up the gas tank? Priceless.

 getting gas, gas pump, gas station, car, luxury Filling your tank with gas feels like a luxury for many.  Giphy GIF by Andrew W. K. 

"Just pulling up to a gas pump and allowing the fuel to pump as I go in and buy a drink, all while not calculating how that will impact my month!"

"Getting a full tank of gas. My mom would get $3 at a time. I didn’t understand as a child. As an adult, I always fill up the tank. That’s a privilege."

"Being able to fill my gas tank instead of wondering how far my $10 in change would actually get me."

"Filling up the gas tank without doing math first feels rich when you grew up in a '$4 on pump 3' household."

Another luxury? Prescription sunglasses.

"Every time I put them on I'm like 'Ahhh I made it.'" wrote one person.

"I’ve had thick prescriptions since I was a kid. Never had sunglasses until well into adulthood," another share. "It’s a good feeling."

 
 

Many people shared that being able to go out to eat at a restaurant and not having to order the cheapest thing on the menu still tickles them. But perhaps the most repeated answer was about grocery shopping without calculating your way through it.

"The most common response, and also my answer, is grocery shopping without checking the prices and being able to purchase 'options.' Growing up, we had about a five year period where every meal was rice and beans or whatever we had canned from the garden harvest from the previous fall."

"Biggest thing for me is shopping for food and not really worrying about the prices. Buying my Ribeyes and coming home to enjoy cooking them in my nice whole set of iron skillets, being able to curl up in beautiful blankets, watch TV, sit in my porch rocking chair, it's the peace."

 grocery shopping, food budget, buying groceries, money, luxuries Grocery shopping is more enjoyable than stressful when you're not having to calculate every penny.Photo credit: Canva

"Grocery shopping with no set budget. Still feels great after 40 years."

"Going to the grocery store without using a calculator the whole time."

Other things like buying fresh flowers, ordering an appetizer, having a refrigerator in the garage, or not having to stress about home repairs were mentioned, all of which drove home the point: When you grow up poor, you gain an appreciation for little things that people with means just consider normal living.

 money, wallet, spending, cash, financial stability, finances Opening your wallet without worry is a small luxury.Photo credit: Canva

As one person wrote:

"It’s not the designer clothes. It’s walking into a room and not hearing debt breathing down your neck. It’s opening the fridge and not seeing struggle staring back. It’s buying two of something just because you f-ing can. People born rich will never understand the godlike power of:

- Filling your gas tank without checking your bank app

- Buying your mom that thing she never asked for

- Ordering food without scanning the right side of the menu

- Sleeping without fear gnawing at your chest."

No one should have to understand the fear that comes with being poor, especially children, but the one silver lining of growing up in financial struggle is the wonder and gratitude that sticks with you when you're finally able to let that fear go.

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Pop Culture

24 brilliantly attainable ideas for side jobs that can make you an extra $2,000 a month

It’s a huge factor in creating real financial freedom.

Photo credit: Canva

Nearly all of us could use some extra cash.

So many of us, even those with full-time jobs, are looking for ways to make a little extra money. It’s vital not only for these challenging economic times, but it’s also a huge factor in creating real financial freedom. This is certainly something most millionaires have figured out.

But it can be hard to figure out what that side hustle could be. It's even harder still to know whether or not the effort we put in will pay off in dividends. Many of us have a distorted concept of “passive income,” thinking that the side hustle we choose will require zero effort at some point. Unfortunately, other than investing, that’s not entirely true.

However, there are definitely ways to drum up side hustles that make sense with your lifestyle, that draw on your own interests, skills, and values, and truly add to your life, whether they be through acts of service, reselling items online, or creating new items (be they artistic or practical).

You can see this reflected in the answers given when someone on Reddit recently asked, “What’s something you do on the side that makes real extra money?” This OP added that they were hoping to raise an extra $2000 a month, and people were quick to be candid about how doable that really is. As someone pointed out, "$2K/mo is really more like a second job than a side gig" in terms of how much time and effort is needed.

Still, there are some pretty unique and time efficient ideas below, like private baseball coaching and being an elderly companion, that could get someone close to $500 a week.


Here are some of our favorite responses:


1. "I sell rare house plants on the side. "

"If I want some money for a spa or date night, I’ll just chop and propagate some plants for an easy $300-$500…Rare alocasias, monsteras, and anthuriums. There are a ton of people who collect, trade, etc. It’s my hobby, which has made it so easy to turn into a side hustle. Best part is it’s all cash."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsA woman selling plants.Photo credit: Canva

2. "Election work."

"Literally in 14 days this year, I'll gross $6,900. Long days, easy peasy work."

3. "I host bar trivia."

"It's usually three hours a night, and it makes me about $150 a night (plus tips). I'm actually trying to make this my full-time job; I enjoy it so much. It's not hard to buy trivia games or hook up with an existing company. I am independent and write my own games that I try to sell on the side."

4. "I have a kettle corn pop-up."

"I do fairs, festivals, pumpkin patches, and can turn $300 of product and space rent into $6k+ sales in a day. Some states require [a food or vendor license] but in my popcorn is exempt from licensing because of its very low risk for foodborne illness."

5. "Landscaping."

"Cash under the table, you dictate how many jobs you want to take on, and you can focus on one specific neighborhood to limit gas mileage. A mower, trimmer, blower, and small trailer will all pay themselves off in three weeks. It’ll beat you up a little, but it’s rewarding work. It’s also extremely straightforward. As long as you do what you’re supposed to do, the customer will be happy. Don't target people with complex yards. Drive through the neighborhood and find someone who's obviously over a month behind on mowing their lawn. Knock and offer to do it for $40. Tell them you'll come back every two weeks if that works for them. Get to a point where you've got 10 or so yards on rotation and you can knock them out in a day. $400 for a day's work every two weeks, under the table. Do more or less depending on how much or little you want to make."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsA man trimming bushesPhoto credit: Canva

6. "I used to flip furniture on Craigslist and Facebook Marketplace.

"I did have to invest in a small trailer and a good cleaner. But I would get free or cheap furniture. Clean it and spruce it up. Sell it for a couple hundred bucks. Mostly couches."

7. "I make cosplay props for people."

I use my personal social media, and I have a commissions page on Ko-Fi. People will see what I usually make and ask me if I am able to make a certain prop. I will then make an agreement with the customer before starting the work."

8. "I put up and take down Christmas lights on weekends and evenings from October to January."

"$24k a season is very doable, but you gotta be able to haul and carry ladders, confidently and safely climb up and down ladders, and be OK with working in the wind and rain in the coldest part of the year. It isn’t glamorous, but it can be a nice chunk of extra money."

9. “If you're even a little handy, you can make good money as a handyman in elderly neighborhoods."

"My dad started out just helping neighbors with hanging curtains, painting bathrooms, etc... after about a year he was busy enough to quit his full time job and just work for himself. You don't need a lot of tools or an expensive truck, but if you can operate a drill, swing a brush, and are good with old people - there's good paying work out there for you.”

10. "I work as an ad model."

"All kinds of ads. Internet, TV, print. Work is sporadic and irregular, which means you'd better have solid income from a main source. But a little $500-$800 check from time to time sure comes in handy. "Generally, one can set up an account for a small annual fee on places like castingnetworks.com or actorsaccess.com. Specifically, it would be better if you would connect with a local talent/modeling agency. They will also ask you to sign up for a talent website, and you’re going to need professional photos. Spend money on THAT, for sure. Good photos are critical!"

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsTwo models posing.Photo credit: Canva

11. "I did Rover for three years, boarding dogs in my home."

"I made $11k a year consistently. Month to month could vary widely, $0-$2k, but I always finished the year the same. But you really should have some experience and be an actual responsible person, because dogs are living beings and deserve proper care. You also need to account for things like Rover fees (20%), taxes, insurance, supplies, and licensing laws. You will end up working all holidays because that's the busiest season for dog sitting, and you'll need to commit your schedule months in advance."

12. “Over ten years ago I started my own hummus business."

"Took a bit to get started but once I was accepted to different farmer’s markets, I made pretty good dough. But omg setting up a tent and tables at 5:30am on weekends was not fun after a couple of years. It was called Bean There, Done That and I had tons of creative flavors (and punny names).”

13. "I started a YouTube channel a few years ago, and now it’s actually pulling in between $1,500 and $3,000 a month!"

"It’s nuts!!! It was just a hobby. I talk about tech stuff. I review computers, network-attached storage systems, and occasionally a tech company I follow pretty closely. My channel name is the same as my Reddit name. It did take several years before money started flowing, but now it's a pretty great side hustle because it's something I would do for free anyway."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsA Youtuber creating contentPhoto credit: Canva

14. "I participate in focus groups and research studies."

They're a pretty cool way to spend a couple of hours, and they usually pay $150-$250 a pop. I do this with several research companies in my area because most of them only let you participate once every few months. So, if you keep filling out questionnaires and screeners with various research companies, you can rotate through them and get picked more often. Using this method, I participate in one or two studies per month. I've actually been grinding hard on applying for research studies for the last few months to pay off my credit card debt. Been making some pretty good progress!"

15. "Deliver pizza for a local place under the table."

"You can do pretty good Friday night through Sunday."

16. "My very first month of donating plasma, I made $900."

"Paid for my three-and-a-half week road trip last summer to Canada. I only do it once a week now because the center closest to me changed their hours, so I get $40 a week instead of my usual $100, but that’s still an extra $160 a month I put back into savings that doesn’t have to come out of my normal paychecks, it’s just extra. So that’s nice. I do miss the $400 months, though."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsA handy man coming in for repairsPhoto credit: Canva

17. "None of these enterprises have made me two thousand a month individually, but all of them combined have equaled that over many months of production."

"Edible mushrooms. Microgreens. Composting worms. Compost. Vegetable plant starts. Cloned fruit trees. I've been doing these for years, and I sell directly to consumers, no restaurants or middlemen."

18. "I make about $120/hr coaching baseball lessons."

"I’ll spend a weekend with 10 lessons coaching middle school to college athletes. I also charge $75/month to program throwing/pitching training. This can be 10-30 pitchers a session, ranging from high school to professional. It’s about 5-15 extra hours a week."

19. "I used to sell my artwork online, it was a good $15,000 to $20,000 a year."

20. "I work freelance in the arts."

"I’ve done a decent job advertising my own business and have developed a side hustle doing social media marketing for other small businesses. Writing posts, finding imagery, and scheduling the posts in advance. The amount of actual work varies from month to month, but the retainer fee does not, and it’s made my life much easier and more predictable."

21. "I started a cleaning business."

"It was very easy, and I did it on Saturday afternoons. I just posted my contact info, services, and prices to local online communities. I worked for a young, wealthy couple cleaning a condo two to three times a month. I got around $600 extra per month for just a general cleaning. I also now include move-out cleans, which can get me $400-$600 per job. It's not huge cash, but it helped me kick a car note down from $24k to $16k. And that was with one client."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigsA cleaning teamPhoto credit: Canva

22. "During the winter, I sell 3D-printed ornaments and make between $100 and $300 a week for the first two to three weeks of December."

"I specifically target the last-minute crowd and get most of my work through word of mouth. Production cost per ornament is $1.04. It takes me under an hour to make/edit the model, and then it takes 5-8 hours to print, but that can be done while I'm sleeping. I charge between $15 and $25 for an ornament. Last year, I also started selling name ornaments for $5 a pop, but they take under two hours to edit and print, so they're easy to make in large batches. These customers also tend to message me throughout the year, so I make around $600 during the Christmas season and $20-$100 other months. So kinda $20 here and there with a big yearly payout."

23. "Real estate Photography."

"It's usually $150 per house, $300 if it's a large property, and I need to use a drone. It takes about an hour to shoot and less than an hour to edit. I usually do two to three houses throughout the week. I'll stop on my way home from work, then on Saturday, I can group appointments by location. My busiest Saturday was seven houses. It's really easy. You just need a camera capable of HDR and a lens with a wide angle. I use a Nikon 16-24mm and a tripod."

24. “I do side work car repairs."

"And by repairs I mean mostly just brakes. To get 4 brakes and rotors done at a shop today is typically around $1000 or more, because they up-charge parts and labor. I am able to do it for people for around $600. I charge $300-400 in labor (for 2 hours of work), and the parts just cost what they cost. So I save people a few hundred dollars and I make a few hundred myself. Sometimes I do one of these a month. Sometimes I do a few of them. I would like to get one a week, cause then I could legit get an extra $300 a week.”

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Family

'Thrown into adulthood without a map': Americans share why they live paycheck to paycheck

"Lord help you if you don’t have dental insurance and need root canals."

via Canva/Photos

A woman and her husband doing their bills.

It’s a little tricky to determine how many Americans live paycheck to paycheck because the term is vague. Some people, who have plenty of money in savings, say they live paycheck to paycheck because they spend all of their money before their next check arrives. However, they make ample contributions to their savings accounts and are in good financial shape. Others genuinely spend every dime they make and have very little savings to deal with an emergency.

How many Americans live paycheck to paycheck?

The Federal Reserve found that 54% of Americans have emergency savings to cover three months of expenses, and Bankrate found that, while 59% of Americans are uncomfortable with their level of emergency savings, 34% are living paycheck to paycheck. According to CNN, the paycheck-to-paycheck problem isn’t getting any better. The drastic increase in the cost of living since the pandemic has a growing number of people living paycheck to paycheck.

A Reddit user recently tried to understand why so many people in the wealthiest country on Earth are financially stretched thin.

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple who needs financial help. via Canva/Photos

Why are Americans living paycheck to paycheck?

“At first glance, it seems obvious: people just don’t make enough money, right? But the more I read and the more conversations I had, the more I realized that income is only one piece of a much bigger puzzle,” they wrote. “For a lot of Americans, the real issue is a mix of rising living costs, debt, and—most importantly—a lack of financial education. Most of us aren’t taught how to manage money. We don’t learn how to budget, save, plan for emergencies, or even think long term. Schools rarely touch on it, and if our families didn’t model strong financial habits, we’re basically thrown into adulthood without a map. So people just figure it out as they go — often by trial and error. And when that ‘error’ is maxing out a credit card or missing rent, the consequences are heavy.”

Over 1,100 people shared why they’ve lived paycheck to paycheck. It’s sad to see so many people struggling, but it paints a clear picture of a complex problem. We collected 13 of the best responses to the question: “What is the main cause of Americans living paycheck to paycheck?”

13 reasons why Americans are living paycheck to paycheck

1. One emergency to the next

"Bills. Lord help you if you don’t have dental insurance and need root canals. Which will always be followed by car repairs or home maintenance. There goes the emergency savings account."

"THIS !!! I was just starting to feel good! Caught up on bills, saving for emergencies, finally contributing to my retirement then a random light flashes on my Car dashboard. There goes all the emergency money I built up ………sigh it’s just always something."

2. Scarcity mindset

"For me it is largely scarcity mindset from a childhood of poverty. I learned that money doesn't stick around. If you have $100 then you need to spend it on what it needs to go to or something else will 'eat it.' Some fee, or unexpected cost will always be around the corner, and there is never enough money to do everything, so spending us constantly triage."

"This is 100% the difference in the mindset of poor people and rich people. Poor people think of money as just something to spend. Rich people think of it as something to accumulate and put to work for themselves."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple looking at bills/via Canva/Photos

3. The system sets people up

"The overall system sets people up for becoming interest and profit generators for wealth holders of all kinds. The power is completely lopsided, and the rules are set up to deliberately turn customers into cash machines. Regular folks aren't equipped to protect themselves from it, thanks to taboos around talking openly about money and finances as well as the finance industry's slick bait, hook, and land tactics."

4. Car payments

"Sooo many people buying waaaaay too much car. Everyone needs a huge luxury SUV for their three-person family, apparently. Or a giant truck because they're towing once a year. What makes it even worse is that those more expensive cars have more expensive maintenance and repairs and tires and gas bills. You also see people do this with houses. So many posts from people trying to justify buying a much larger house than they need and trying to make the financials with. 'How much house can I afford?' instead of 'how much house do it really need?'"

5. The rent is too high

"Rent has gone thru the roof and in order to get approved to live anywhere or buy your own home, you need to make 3x the rent. The grocery list that would cost you $50 5 years ago now costs you $100. God forbid you have a medical problem."

"I was going to say it's primarily rent and groceries for a lot of folks. Rent is really high a lot of places for pretty basic dwellings."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA woman who has run out of money.via Canva/Photos

6. Paycheck to paycheck is a broad term

"Because there is no standard definition of paycheck to paycheck. A lot of people who live 'paycheck to paycheck' have a ton of deductions for things like 401k and IRA along with spending on non essentials like expensive car payments, private schools, etc."

"This is a good point. I considered myself 'paycheck to paycheck' because (and I'm working on changing this) I literally get my account to 0 before each paycheck. Yes, that's after 401k, savings, paying off debt, and other luxuries like getting my nails done and steaming services. But you make a good point that if I locked in and cut all "extra" I would not be paycheck to paycheck in the slightest. Compared to growing up where when my mom paid most of the bills, we would have like $3 left for anything else. That's paycheck to paycheck."

7. Constant emergencies

"If emergency items stopped happening, I could actually save something. Medical bills, dental bills, car repairs, home repairs, just when we get a bit saved it goes to something else."

"Every. Single. Time. And it’s always the exact amount that I have in my savings."

broke, bills, paycheck to paycheck, scared woman, finances, american life, purseA woman who has no money.via Canva/Photos

8. Healthcare costs

"For me it’s healthcare that makes me live paycheck to paycheck. I have had two random emergency surgeries in the last 3 years. With a 10k deductible on my health insurance I’m 20k in debt and having to make $400 payments per month on it on top of my $490 a month premium. Before that first surgery I was debt free and doing ok. I have now accumulated about $5000 on a card too just trying to keep up with bills."

"I paid 20% of my take home pay for insurance. Then I pay another 10 to 20% for medical expenses to keep my disabled husband alive. So 1/3 of my income goes towards medical expenses. That's the problem and I can't do anything about it. I have super premium insurance at my job which pays terribly. If I got another job, it might not cover some of the things my husband needs or I might have to work so much that I would have to pay a caregiver."

9. Cost of living is too high

"Never being in a position where you are ahead of all the bills. A person makes $30 an hour, works 20-30 hours of overtime, had a $600-1000 car payment, rent is probably $1500-2000 per mo., electricity bill $140 per mo. month, car insurance $120 per mo. Gas $140 per mo. Phone bill $150 per mo. Food $500-1000 per mo."

10. Living high on the hog

"I’ll take a differing take here then a lot of comments and agree with OP that financial habits are often very poor. I work in a field that has a lot of pretty high income earners in a MCOL city (>80k starting).

"I see a ton of people who complain about being broke that do a lot of the following
  • Order out, especially with apps like DoorDash becoming ubiquitous, they are a massive cost and are well hidden enough that people miss it. Like upping the price of the menu items, most people don’t know the price of the food if you ordered in the restaurant.
  • Cars, both too much car, but also frequently trading vehicles in. Cars have gotten a lot better in the past decade but there is no way I’m trading in my vehicle when it’s paid off, as long as it’s reliable. Safety features would be nice, but not at that significant of a net worth hit.
  • Not putting away money for retirement, even with company matches. Company matches are a huge free return on your investments. Paying more now means paying much less later.
  • General luxuries, I had a coworker state she didn’t match her 401k because she couldn’t afford it, but later said she had very very expensive kitchenware. Lifestyle creep is real, and we are all susceptible to it.
There is a large element to the economy that is completely out of one’s control, but to take all personal responsibility out of the equation misses a big chunk of why we are in such a massive boom and bust with personal debt."

broke, bills, paycheck to paycheck, scared woman, finances, american life, coupleA couple arguing over money.via Canva/Photos

11. Starbucks

"I know you’re being half-hyperbolic, but I had a coworker who spent well over $100 on Starbucks in the morning and takeout/delivery for lunch every week. She was always complaining about money being tight. I’m not a cheapskate by any means, but I’m sure as hell not spending nearly $20 for some shitty meal from Panera delivered by DoorDash when I can pack my own lunch for like $3."

12. Consumerism

"My opinion as an outsider who moved here two years ago from the UK. Seems like money and work work work seems to be the focal point and consumerism is HUGE out here with a lot of waste. Maybe it's the social circle I'm in but it seems like people also spend silly throwing more than what they can afford on loans and cars etc."

13. Daycare

"For me, it is a daycare costs. We have to pay $720 a week for 2 kids in a standard daycare. We did not live paycheck to paycheck before having kids."

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