Wednesday, November 12, 2025

A sob story and her Grandfather's response. I know a lot of people like her...

Read this whole thing and tell me you don't know 
at least five people like her...
 

To save myself from my $1,800-a-month studio apartment, I had to move into his basement. This wasn't the plan. The plan was a downtown loft, happy hours, and a vibrant social life funded by my new marketing degree. Instead, I’m in suburban Ohio, sleeping on a 1980s sofa bed in a room that smells like cedar wood and mothballs. "It's just temporary," I told myself, clutching my artisan iced coffee as I hauled in the last box.
"That stuff costs five bucks?" Grandpa Frank asked from the doorway. He was holding a steaming mug of black instant coffee that looked thick enough to pave a driveway. "It's $7.50, Gramps," I corrected him. "And it's a small luxury. I worked hard for this job. I deserve a treat."
Frank just grunted. "You 'deserve' to pay off that $40,000 school debt you keep complaining about. I just drink coffee. You drink a car payment."
Living with Frank was like living with a ghost from a history book. A very judgmental history book. His house was a museum of thrift. There was one television - a small, buzzing box he’d owned since my dad was in high school. He got three channels with an antenna. I had subscriptions to four different streaming services on my laptop, which I paid for by "browsing" more than actually watching.
"Why you paying for all those shows?" he asked one night, squinting at my screen.
"It's choice, Gramps. Options." "Looks like a waste of time," he said, turning his attention back to the local news.
The real flashpoint was food. On Friday, after a brutal week of spreadsheets, I was exhausted. I didn’t want to cook. I wanted convenience. I opened my favorite food delivery app and ordered a $28 artisan burger.
When the delivery driver pulled up, Frank was on the porch. He watched me take the bag like I had just committed a felony.
That night, he was eating what he called "Whatever's-Left-Casserole," which appeared to be leftover hotdogs, some beans, and half an onion, baked. It looked awful. It probably cost $2. "Must be nice," he muttered, spooning the brown sludge onto his plate. "Eating like royalty."
"It's just one burger, Frank!" I snapped, the stress of my loan payments boiling over. "The economy is terrible! Inflation is insane. I can't even afford rent. You guys had it easy! You bought this whole house on one salary!"
Frank put his fork down. It was the first time I'd seen him look genuinely angry.
"Easy?" he said, his voice dangerously quiet. "I started at the steel mill at 18. I worked 12-hour shifts, six days a week. When inflation was 10% in the 80s, my mortgage rate was 14%. I didn't eat 'artisan' anything. I ate a bologna sandwich. Every. Single. Day."
He pointed at my laptop. "You got a $1,200 phone. My phone," he gestured to an ancient flip phone in a cradle by the wall, "makes calls. You got a tattoo sleeve that cost more than my first car. My tattoos?" He rolled up his sleeve to show a faded blue anchor. "Got this in the Navy. It came with nightmares, not a payment plan."
I felt my face flush. "So what, I'm just supposed to be miserable?"
"You're not miserable!" he barked. "You're just soft. You kids want the reward without the work. You want the house, but you won't give up the $7 coffee. You want financial freedom, but you pay $28 for a burger because you're too 'tired' to open a can of soup."
He walked over to his old roll-top desk and pulled out a small, vinyl-bound bank book. He tossed it on the table. It was a passbook for his savings account.
I opened it. The balance made my stomach drop. From his factory pension and social security, this man who lived on canned soup and instant coffee had saved over $280,000. I looked at the balance. I looked at my phone, still open to the delivery app. I looked at the $9 remaining on my $28 burger.
Frank picked up his plate of leftovers.
"You're right, Alex," he said, heading to the kitchen. "I bought this house on one salary. But I also didn't have 47 subscriptions, leased cars, or 'emotional support' smoothies."
He stopped at the doorway and looked back, his eyes drilling into me. "You don't have an income problem. You have an expense problem. You’re not poor. You’re just paying a subscription to act rich." 

... 

I'm a firm believer in treating yourself once 
in a while. Like now. Get one for yourself.
 
Find one for yourself by clicking on the picture or here:
... 



13 comments:

  1. If you head on over to r/personalfinance on reddit you'll see all these kids living champagne lifestyles on a beer budgets. They have zero financial control over themselves, getting themselves into heaps of debt, new cars at high interest rates, $1k iphones, $2000 macbooks, multiple streaming services, eating out etc etc. It's like they live in a different universe with no personal or financial responsibility and somehow they're the victims of 'the system'...

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    Replies
    1. they live with no concept of tomorrow.

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  2. That story describes at least a third of Americans under the age of 40....

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  3. One $7 coffee per day equals $2555 per year. One $28 burger per week is $1456, total $4011, more than TWO rent payments.
    Poor soul. Should ask for food stamps.

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  4. I don't know any personally, but thanks to social media I know plenty of them. Most spout it's the Boomer's fault while waving their latest IPhone, clutching a Macbook and taking trips around the world yelling "YOLO".

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  5. I use a semi-secret old family recipe for home made coffee. I use ground coffee beans and boiling water. That’s it, less than a dollar a cup.

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  6. Frank is absolutely correct. She's stupid soft.

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  7. Between neighbors grandkids and relatives, I know at least 15 individuals like the young woman in the story, all in their 20's to early 30's. It's as if they were stamped out by a cookie cutter. They are lazy, undisciplined, and make poor choices. The real kicker is every one of them displays a disturbing air of entitlement. A cruel future awaits them.

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  8. Tagged the Hell outta my currently and Hopefully Forever Dead wife. She absolutely refused to keep a car long enough to pay the MoFo off.

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  9. the best advice i have ever got was from an old man...its not how much you make, its what you keep.
    that was 40yrs ago and it has served me well in life, thanks Emmit.

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  10. Grandpa's like that will probably save thousands from themselves. Too many of this generation are told that they can have the 400k lifestyle from college graduation, and that their luxury majors are worth so much. Its so hard to get them to see the historical truth. And they aren't taught real math.

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  11. I've got coworkers with the same attitude, inked up with the latest greatest Iphone always have a $8.00 starbucks beverage in hand , designer threads and expensive sneakers to match every outfit. They run to McDonalds or Burger King for lunch ,and frequent the bars at night. They drive a new car , and wouldn't think twice about putting a vacation or concert tickets on their credit card . But they don't want to work overtime ,(that might interfere with hitting the club) then they bitch about being broke. I pack my lunch box every day , drink home brewed coffee , my wardrobe is Wranglers and T shirts .Now as far as footwear goes , I do not skimp , I buy the best work boots I can afford ,I'm on my feet ten hours a day I gotta have decent boots , plus a 300 dollar pair of boots will outlast 4 or 5 pairs of 100 dollar boots.

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  12. Much of this describes one of my coworkers sad to say. There must be a generation out there just doesn't get it. I'm thinking their parents 'raised' them too much and they didn't learn the hard lessons the way it was meant. Going to pass
    this along to a few friends.

    ReplyDelete

Making tarts in the garden?

  And, yes, it is slightly censored. Sorry...   ...     ...