Well paid government employees who can't afford a one or two week shutdown

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

Wait, I thought you started out by blaming those people for being foolish for not having emergency funds?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

Wait, I thought you started out by blaming those people for being foolish for not having emergency funds?

I am not the OP of this thread.

[Anonymous]

Anonymous wrote:Op here. I'm not saying the shutdown is ok or that government workers aren't getting screwed. It's fine to complain about it. I was just saying I don't get how so many single people who are making six figures, own a nice condo and car, have no kids, no dependent parents, have paid down most of the student loans, etc, are living so close to their means that they can't pay their mortgage and food if they lose one month's paycheck. Which is what many of my friends are claiming. I'm just surprised. Why would you buy a new car or spend sixty bucks on dinner if that's your situation?

OP, you've repeated your question several times now. They are your friends. Presumably you know them fairly well. (You claim to, anyway, since you're confident in your knowledge of their finances.) Why do you think they spend all their money and fail to save adequately? You must have some theory about their behavior. Drop the feigned bemusement already and tell us what you actually think.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

Why is your compassion so limited? Is there not enough for both the struggling, deserving person as well as someone with an emergency fund who fears spending it down and getting caught with emergent expenses before they've had time to replenish it? You can feel especially bad for the former and still have some empathy for the latter.

[Anonymous]

Eh, they're probably full of shit. Whinny Millenials crying over it just for sympathy. Their bank accounts are probably just fine.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Let me say first I totally oppose the shutdown and think the Reublicans driving it are insane and idiotic.

Having said that...I have a lot of friends who are gs 13 to 15, single with no kids, who are saying they cannot afford to miss a paycheck.

Wtf? Really? Do people who get paid over 100 thou and have no dependents really have no emergency savings?

Am I the only one thinking when people say this, "um, take this as a sign you should reconstruct your budget so you are saving more?"

FYI, I am a gs 13, no kids, and I have a three month emergency fund.

One of the friends who was stressing about the shutdown last night spent sixty bucks on dinner, ordered two drinks, went to a movie after, etc. I nodded sympathetically but really wanted to say, "so drink water, order a ten dollar appetizer, and go home and watch TV."

With that judgmental attitude, I wouldn't date you.

That's fine. I have a fiancé. I don't need or want to date you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

You have no compassion for people who have to hand over hundreds or thousands of dollars for no good reason? Middle-class government workers pay taxes, purchase goods and services, save for their own retirements, hire babysitters and housekeepers, and contribute to the social safety net that protects those who are hungry. Emergency funds are not trust funds.

[Anonymous]

I am a GS-12 employees my husband works for the city government. We are not rich by any means, yet we have at least four months of living expenses saved so I think we will be fine.

Too many Americans choose to live above their means. If one or two weeks is going to kill you, then yes you need to reevaluate your spending.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

You have no compassion for people who have to hand over hundreds or thousands of dollars for no good reason? Middle-class government workers pay taxes, purchase goods and services, save for their own retirements, hire babysitters and housekeepers, and contribute to the social safety net that protects those who are hungry. Emergency funds are not trust funds.

Op here. I did not write anything in this thread.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP, you sound like a real busybody. Why don't you mind your own business?

I hate this thread, because I feel like it feeds the misconception that government workers are a bunch of overpaid idiots who all fritter away their cash. It's much easier to literally rob working people of their paychecks if you can dehumanize them as somehow not deserving.

The bottom line is that NOBODY should have to dip into their emergency funds because a bunch of elected officials feel like throwing the American people and our economy into the garbage disposal for political gain. I think the cost of this shutdown should be passed directly to the congressional districts that elect any representative who refuses to pass the legislation needed to fund the government.

Unfortunately, I don't even have a vote in Congress, so I am literally without even the most symbolic of recourse.

Op here. My friends are the ones who chose to bring me into their business by spending half the evening complaining about about how they will not be able to pay their mortgage if the government shuts down for a week or several weeks. Don't expect me to listen to you complaining about yiour finances for an hour and then have no opinion.

Don't go out with them. As another pp said, find a group of frugal friends and have a potluck and drink tap water while you sit around telling stories about your spendthrift colleagues and family members.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

You have no compassion for people who have to hand over hundreds or thousands of dollars for no good reason? Middle-class government workers pay taxes, purchase goods and services, save for their own retirements, hire babysitters and housekeepers, and contribute to the social safety net that protects those who are hungry. Emergency funds are not trust funds.

Give it a rest drama queen. You are an ungrateful brat. You think that all hungry people qualify for assistance? Get a clue moron. Working class people pay taxes too. So do middle class people that don't make six figures a year. In fact, everyone pays taxes of some sort.

What is your point other than you are an entitled moron ? Get some real problems besides that pea brain of yours. That is the only reason I feel bad for you. It must be hard to get through life being so stupid.

[Anonymous]

Anonymous wrote:I am a GS-12 employees my husband works for the city government. We are not rich by any means, yet we have at least four months of living expenses saved so I think we will be fine.

Too many Americans choose to live above their means. If one or two weeks is going to kill you, then yes you need to reevaluate your spending.

We have an emergency fund, but I dislike finding myself in a political emergency.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I am a GS-12 employees my husband works for the city government. We are not rich by any means, yet we have at least four months of living expenses saved so I think we will be fine.

Too many Americans choose to live above their means. If one or two weeks is going to kill you, then yes you need to reevaluate your spending.

We have an emergency fund, but I dislike finding myself in a political emergency.

I love this! Politics is not an emergency to me.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sure, we can weather a shutdown by dipping into our emergency fund. I suppose that's what it's there for. However, we built that emergency fund up prior to having children and now are not able to save at the same rate due to childcare and other child-associated expenses. So anything that has to come out of it is going to take that much longer to put back in and then if another real emergency comes about and there's less money as a starting point for that emergency...I can see it snowballing into being a big deal.

It really gets my goat that if there's any shutdown of substantial length I'll have to keep paying for daycare that isn't open since the daycare is in a federal building.

You are stupid.

So you don't want to use your emergency fund for an emergency because there might be another emergency? How about you appreciate that you have an emergency fund you entitled idiot. Some people have NOTHING. But since you want to be such a martyr just go cry your ass to the welfare line. I am sure that is so much easier than breathing a sigh of relief that you have an EMERGENCY fund for what could be an emergency.

My emergency fund is for my 19-year-old HVAC system, my only modest car, paying for health bills because my stupid federal insurance keeps finding more ways to justify not paying for procedures. I'm not expecting to get paid back this time, so it's just gone. Why should I have to contemplate taking a HELOC loan to deal with eventualities I prepared for because Congress is a bunch of useless morons? Oh, and I'm pretty sure that im not going to be granted extensions on all the projects that are due by 1 December or 1 January so well just have to work more uncompensated hours once we're back to work.

Oh boo hoo...your hvac system in the house you aren't going to lose. Your modest car that you will be able to use instead of your feet. And heloc loans that you don't need but you could qualify for.

I feel so bad for you. Let me get together with the people who will have no food, no homes, and hungry and cold kids. We will all crowdfund for you just in case your hvac messes up.

Why are you angry at us? Why aren't you spewing your bile at Congress and the sheep that buy into everything said by Fox News and who are actively rooting for their own destruction by voting for these morons?

My compassion is reserved for those who deserve it. Not a bunch of entitled brats who are crying about using their emergency funds. I will save my encouragement for those who will be sitting in the dark, hungry, and crossing their fingers hoping that they don't get an eviction notice.

You have no compassion for people who have to hand over hundreds or thousands of dollars for no good reason? Middle-class government workers pay taxes, purchase goods and services, save for their own retirements, hire babysitters and housekeepers, and contribute to the social safety net that protects those who are hungry. Emergency funds are not trust funds.

Give it a rest drama queen. You are an ungrateful brat. You think that all hungry people qualify for assistance? Get a clue moron. Working class people pay taxes too. So do middle class people that don't make six figures a year. In fact, everyone pays taxes of some sort.

What is your point other than you are an entitled moron ? Get some real problems besides that pea brain of yours. That is the only reason I feel bad for you. It must be hard to get through life being so stupid.

What on Earth did I say that makes me sound entitled? I never said that working class people don't pay taxes. I'm not a federal employee, but I sure as hell have sympathy for people who have to take a forced furlough when they'd rather be working. You sound like a crazy person.

[Anonymous]

I only make 70k and have a one year emergency savings. I could never relax if I had nothing or very little. It would give me so much anxiety to live paycheck to paycheck! I have no idea what people spend their money on.