“just buy a used car” they said.
so here’s what a used car looks like in 2026:
2015 Honda Civic — $14,000
2016 Toyota Camry — $16,000
2017 Ford F-150 — $28,000
these are used cars.
with 100k+ miles.
that need work.
a new car in 2010 cost $28,000.
the advice didn’t change.
the market did.
and now people are signing 7 year loans on used cars they didn’t want just to get to work.
“just buy used” was solid advice.
it died somewhere around 2021 and nobody updated the script.

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Fermsy

4h ago

You can’t afford a house because interest rates are too high.
But interest rates are high to fight inflation.
Inflation happened because corporations raised prices.
Corporations raised prices and called it “supply chain issues.”
Supply chain issues are mostly resolved.
Prices never came back down.
You’re still paying for it.
They already made the profit. Nobody got held accountable.
And somehow this is your fault for not budgeting better.

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Fermsy

10h ago

I was 22 when I signed for my student loans.
I didn’t fully understand interest. I just knew I needed the degree to get the job to build the life.
So I signed.
Now I’m in my 30s. I’ve paid $400 every single month without missing one. I’ve sacrificed vacations, a newer car, a bigger place.
And my balance has barely moved.
I did what they told me to do.
I went to school. I got the degree. I got the job. I pay my bills.
And I am still drowning in the same debt I had at 22.
Nobody warned me it would be like this.
Nobody.

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Fermsy

12h ago

nobody talks about the mental load of being broke in an expensive world.
doing math in your head at the grocery store.
checking your account before you swipe.
saying “i’m good” when someone suggests going out.
skipping the doctor because the copay isn’t in the budget.
this isn’t laziness.
this isn’t poor decisions.
this is millions of people just trying to survive a system that was never designed for them to get ahead.

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Fermsy

17h ago

$1,000 used to be an emergency fund.
now it’s a car repair.
or two months of groceries.
or one ER visit after insurance.
or a plane ticket home for a funeral.
we didn’t get poorer.
everything around us just got more expensive than $1,000 can fix.
and they’re still out here telling us to save more.

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Fermsy

05-21 15:53

10 things that got more expensive while your paycheck stayed the same:
1. Car insurance — up 50%+ nationally
2. Groceries — up 40% since 2020
3. Rent — up 30% in most cities
4.Gas — still double pre-pandemic prices
5. Car prices — used cars cost what new cars used to
6.Home insurance — up 20%+ and rising
7. Credit card interest — hitting 21% average
8. Utilities — electric bills quietly creeping every month
9. Healthcare premiums — up again, coverage down
10. Childcare — now costs more than college tuition in most states
And the official inflation rate is 3%.
Someone’s lying to us.

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Fermsy

05-21 00:11

My parents paid $11,000 for four years of college.
They graduated debt-free. They traveled Europe that summer.
They told me a degree was the responsible choice.
I owe $54,000.
The degree is responsible for the interest.
They didn’t do anything wrong.
That’s the part nobody wants to sit with.
They followed the rules. The rules just don’t exist anymore.
And they have no idea. Because why would they?
It worked.

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Fermsy

05-20 11:58

DOCTOR: Your cholesterol is high. I’m putting you on statins.
ME: I changed my diet. Cut the processed stuff. Started walking every day.
DOCTOR: That’s not enough. You need medication.
ME: My numbers dropped 40 points in 3 months.
DOCTOR: …keep doing what you’re doing.
Nobody told me food could do that.
I spent years trusting a 7 minute appointment over my own body. Paying copays. Filling prescriptions. Never asking why.
Then I just… started paying attention.
Whole foods. Daily walks. Actually sleeping. Cutting the stuff that came in a box.
Free. All of it free.
I’m not anti-medicine. Some peo

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Fermsy

05-20 09:53

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Fermsy

05-19 09:17

A woman was accidentally paid around $20,000 instead of her normal paycheck and refused to return it. now she’s facing felony charges.
what’s interesting is how fast the system seems to move when a company loses money.
but when workers deal with unpaid wages, overtime issues, or payroll mistakes on the other side, people often feel like the process suddenly becomes a lot slower.
Question is: do people actually get equal treatment, or does urgency depend on who lost the money?

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Fermsy

05-19 00:40

just saw a video of a nurse who bought a car wash.
paid $300,000 for it, took 100% of profits for a year to pay off the loan.
now makes $4-6k a week from it working 10-15 hours a week & was able to retire from nursing career.
why aren't more people doing this!?

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