I don't know if I want to get into a poverty Olympics sort of discussion, at all, because hurting less is still hurting, I know, and especially with a site admin, because if/when I get banned, I want it to be for something funny. But 3% for me, both wouldn't get me very much, even when matched, and would hurt, because my "discretionary" income does a lot of heavy lifting, in addition to little luxuries, as the "any food beyond beans and rice" income, the "stocking up the freezer when stuff is on sale" income, and the "saving a little extra for the next personal financial emergency that will inevitably happen, but I don't know when or how" income.
A lot of the time, normie financial advice has resulted in them recommending I do things I'm simply unable to do. Right now, I'm still low on the rungs of the socioeconomic ladder, but I'm finally able to do things like buy in bulk, pay for a warehouse membership, buy better stuff that lasts longer, etc, that I used to not be able to.
However, there was a time where I just didn't have the $40 a year for the opportunity to spend $20 for $30 worth of product, or even purchase the chest freezer needed to store it. And people just couldn't grasp it.
I don't know if I want to get into a poverty Olympics sort of discussion, at all, because hurting less is still hurting, I know, and especially with a site admin, because if/when I get banned, I want it to be for something funny. But 3% for me, both wouldn't get me very much, even when matched, and would hurt, because my "discretionary" income does a lot of heavy lifting, in addition to little luxuries, as the "any food beyond beans and rice" income, the "stocking up the freezer when stuff is on sale" income, and the "saving a little extra for the next personal financial emergency that will inevitably happen, but I don't know when or how" income.
A lot of the time, normie financial advice has resulted in them recommending I do things I'm simply unable to do. Right now, I'm still low on the rungs of the socioeconomic ladder, but I'm finally able to do things like buy in bulk, pay for a warehouse membership, buy better stuff that lasts longer, etc, that I used to not be able to.
However, there was a time where I just didn't have the $40 a year for the opportunity to spend $20 for $30 worth of product, or even purchase the chest freezer needed to store it. And people just couldn't grasp it.