Serafikettu - Most "poor" aren't poor but instead, people with bad financial management skills

Most "poor" aren't poor but instead, people with bad financial management skills

I have seen with my own eyes how people are not actually structurally poor, but usually cause it for themselves through irresponsible spending.

People who buy cigarettes, beer, energy drinks, coffee from a cafe, and so on complain about how tight their money is. Cigarettes cost about 7-10€ per pack in Finland. A can of energy drink costs 2-3€, which you could use to buy a big bottle of Coca-Cola.

I've asked how much money does it cost in month if you buy cigarettes. They said that it costs 80-100€ per month to be a smoker. Ok, so if you're person who smokes and drink energy drinks everyday, it costs at the minimum like, 160€. If you drink more than one drink per day, let's say, two drinks, it costs 220€ to be person who is a smoker and drinks atleast two cans of energy drink everyday.

Not only this, but how many services do these people subscribe to on average? Netflix, Spotify, Microsoft Office, sports channels, and so on. As if you couldn't watch series for free on some pirate site, you couldn't listen to music for free on Youtube or download a song to your computer or phone, there are many free programs that are equivalent to Excel and Microsoft Word like Google Sheets or LibreOffice, as if you couldn't watch sports as pirated broadcasts online. These services I've just mentioned, as combined, costs 90-100€ per month.

So okay, if you're person who smokes, drinks at least two energy drinks per day, and subscribes to all these services, it costs at least 300€ to be person who spends money as mindlessly as you.

After that they usually then buy some cheap clothing from Temu or Shein and it probably costs like 50-100€ per month. That's 400€ right there.

Then they play some game with microtransactions. They spend tens or even hundreds of euros on them because they are idiots. Let's say, that's 600€ right there.

So you've spent 600€ per month for what? Nothing. You need to pay all the bills that cost the same amount of money that you just spent on the vanities. That's 1200€ right there.

Do you eat actual food? On average, Finns spend like 200€ on actual food. That's 1400€ right there.

When you start counting these, you start to realize that no, they're not poor. They're working people, at least Finnish lower middle class, who spend their money in a fucking stupid way. If they aren't, then they get shit ton of money from their parents.

I remember a person who always made a martyr out of how poor she was. Yet she was okay with her trashy boyfriend dropping out of school, not wanting to work, and spending the last of his €2,000 student loan money on a gaming computer and Counter Strike skins (skins, which you would get for free if you traded, but you have to get everything now and immediately). In two years, he would have to pay back a student loan of around ten thousand euros. If you're not bothered by how stupid things your boyfriend spends his money on, then you're not poor, you're just a middle class adult child who's been spoiled all your life. 2000€, damn, that's the same amount of money my mom makes a month.