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Joined 1 year ago
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Cake day: July 3rd, 2023

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  • 100% and I’m sure you know this too but just to add to your point, I believe the US government spends more money per capita on healthcare than anywhere in Europe, so even under the “Why should I?” lens, the current approach costs individuals more because they have to pay for it in taxes and then also in insurance premiums, copay etc.

    It’s not just for the benefit of society as a whole, “you” as an individual would also be financially better off under a socialised system.




  • My mum is like this but I think this kind of thing depends on where you’re at in your financial journey and also the type of person you are.

    I find that cash burns a hole in my pocket and I check my apps regularly to track spending so any cash effectively just “disappears”, I won’t even remember what I spent it on.

    I completely prefer digital spending because for me it’s easier not to lose track and if I seem short, I can trace exactly where it went.

    If you’re someone who is not in financial trouble and pays off credit cards regularly then I advise trying to find one with decent rewards and use it for as much of your spending as possible.

    This not only gets you air miles / cash back but also helps to build a strong credit record if you’re looking to buy a house, car, … in the future.