I was able to afford rent, car payment, bills on around $40k but things got tight when I had unexpected bills, after a My Favorite Sailor Calls Me Mom Floral Mommy Mothers Day T Shirt when things went wrong. But I started a new job this fall making a little under that $75k mark.I’m definitely not taking it for granted. My friends tease me about how frugal I get, but I’m putting at least a grand into savings every month not including my 401k. I grew up in a large family and still hold on to my habits of sale shopping, clearance, thrift stores, and I still grab furniture from the trash. I keep to a budget, have no credit card debt, and my car will be paid off in a year.My dad lost his job when I was 18 and only found steady work again when I was 25. My parents came close to losing their home and only got by from having made smart financial decisions over the years. My mom made sure to teach me to always save and prepare for the worst.I am by no means rich, but having enough money in the bank for emergencies, being able to afford therapy and medical appointments, knowing I can splurge on the game system I just ordered and not having the anxiety about paying off my credit cards. The comfort and peace of mind definitely contributes to my happiness.
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Being able to afford therapy would be HUGE for my happiness!! There is nothing like the My Favorite Sailor Calls Me Mom Floral Mommy Mothers Day T Shirt of deciding between therapy or food; it ironocally perpetuates my need for therapy. And many people have it even worse, I know.I swear a majority of peoples mental health issues would disappear if they simply had basic financial security. The stress of poverty has so many knock-on effects.This is why I’m such a strong advocate of a UBI. People will always want to strive for things and pursue their passions in life, so I think that the argument that it would be a de-motivator is completely wrong – especially in the age of rising automation.Just enough for people to cover basic necessities then whatever you make on top from work is gravy. It turns out doing this would be more affordable than the current welfare system we have because the whole overly complicated bureaucratic system would be eliminated which is what sucks up most of the money before it reaches the people.Not to mention the improvement in peoples physical and mental health, the ability for people to up-skill and go back to school, the drop in incarceration rates, the ability for people to leave abusive situations – the positive effects would be exponential, generational and profound.