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Anonymous wrote:I am resentful of all the rich people who get down payments and college savings handed to them. Meanwhile here we are working like little bees getting nowhere.
Isn't that life? Why begrudge someone's good decisions? From now on you make good financial choices so that your children can be one of those rich people. I grew up dirt poor, no food no clothes. We couldn't even afford a home phone. I take pride in being the first one in my family to make a good decision and potentially having the ability to have college savings and a home down payment for my kids. My good decision was not getting pregnant in highschool or shortly after and not marrying in my early 20s.
Good for you. But luck really plays a huge a part in upward mobility.
I think to say something is luck is dismissive. I'm not an immigrant and was born in the projects. I've seen my siblings and my friends fail because they chose not to work hard. Luck has nothing to do with my success. If anything most people argue I'm a very unlucky person. I'm just positive and believe in working hard and moving forward. I'm guessing your statement about luck comes because you are privileged and haven't experienced poverty, tragedy and triumph through your own efforts.
What about all the people who work hard and still fail because of reasons beyond their control? Are they just more unlucky than you?
What time frame are we talking about? 5-10 years, 20-30 years of bad luck streak? persistent and grittiness is what separate the wheat from the chaffs
Well in America, one illness or accident can destroy both your life and your financial life. Even a sick child can shatter everything a middle class person has worked for. My own child racked up $300k in medical bills thanks to a rare disease. Imagine if my insurance covered just 50% and my spouse left me during that time. That’s not a completely absurd set of circumstances- it happens all the time. Boom- all my work towards an upper middle class life- gone.
The difference between a functional middle class person and someone completely struggling is just one catastrophe.
I've experienced the catastrophe of a sick child and high expenses. In the end I rose from the projects because I worked hard, made good choices and keep moving forward despite setbacks. I mentioned thatIve been unlucky, even my siblings who arent as well off as I am acknowledge my lack of luck. My siblings would argue that they work hard and don't get ahead. Examining it they work hard now but also made a lot of poor choices early on that take them double and triple the time to correct. I don't think the op should begrudge anyone their success whether it's earned or not.
It annoys me when people say billionaires shouldn't exist. People like Oprah who grew up poor and abused in Mississippi don't deserve what they have? Jeff Bezos and Bill Gates are un-deserving?
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