I did it. I did exactly that. I was earning $20,000 a year, and got myself a broker to open an IRA account, and started dumping money into it every single month.
I am not asking anyone else to do something, that I myself have not done.
And honestly, sometimes on this forum, I feel like I'm one of the few people on this planet that had a real father. I was always taught that if I didn't like my income or my job, that it was MY DUTY... to take care of MY LIFE. Sitting around crying tears over how much McDonald's pays, is the refuge of a coward. Grow a pair of balls, and deal with that yourself.
I had jobs that didn't pay enough. The way I dealt with it, was a sat around crying on forums about how unfair society was, and that capitalism sucks, and it was all Obama's fault.
If I had done that, I'd still be at that job. Instead how I really handled it, and how any real man should handle it is.... I quit, and found a job that paid more.
Again, not asking people to do anything I have not done. Idiotic.
Further, your crying over that budget, is ridiculous. My first apartment had all electric heat, and in the winter the electric bill was about $90.
Further, the insurance I had last year, was $20 a month.
I don't see anything wrong with that budget. Second, buy a cheap used car, and get rid of your car payment. Cancel your cable TV. Get a pay-go phone.
Look, here's the bottom line......
Two people working minimum wage in this country, places them in the top 1% of wage earners in the entire world. Top 1% of the planet.
You have a husband and wife, working minimum wage at McDonald's, you are now with a standard of living that places you ahead of the other 7.7 Billion people on this planet.
You can make it on two minimum wage incomes. And honestly, if you are working minimum wage, it's because you suck. I only worked minimum wage, at one point in my life. When I was in high school, before I turned 18, I was 17 working 3 hour shifts part time, and making minimum wage.
The year I turned 18, I started working full time, and you automatically got a 50¢ raise just for being full time, and then you got a $1 raise if you worked there for 12-months. That means in one year, you should at least be $1.50 over the minimum wage.
If you have been in the work force longer than 2 full years at the very most, and you are still making minimum wage, then you are the problem in your life. Not society, or capitalism, not McDonald's or the CEOs. The problem is you. You are either not putting in the effort, or you are simply not doing your job, or you have some other problem. But *YOU* are the problem if you are still making just minimum wage.
And by the way... if you stay at McDonald's for longer than 2 years, you should be in management, and moving up the corporate track. It takes a clear loser to work at McDonald's for years, and still be a fry cook. You should be in line to be store manager by then.
I was at Advance Auto parts for less than a year, and just because I showed up on time, and did my job consistently, they wanted to enroll me in the management training program. If I had stayed there, I'd have my own store by now. Actually by now, I could be a district manager.
If you can't move up from where you are, there is something wrong with you. Get your butt to work on time, stop taking so many breaks, and start doing your job
