Magis wrote:Crossroads Inc. wrote:
Please provide evidence that the majority of those unemployed are in any way ""financially irresponsible""
I never made any such claim, and if you were better at reading you would have realized that. But
some unemployed/poor people clearly are financially irresponsible. And sometimes being responsible involves doing things that are unpleasant, like switching careers or relocating. As for the rest, who are in a bad situation because of unfortunate circumstance and not irresponsibility, then I am in favor of certain social assistance programs. But those programs should be limited to people who are trying to be productive by doing things like actively searching for work, willing to learn new skills, willing to relocate, and willing to give up their own luxuries before taking mine - that could include selling some assets, including a house, depending on the circumstances.
Let me begin by stating I agree with the assertion that there are plenty of people out there who are "financially irresponsible" I worked in the banking industry for years, and in that time I talked to a LOT of people who are stupid with money. In that time I have discovered some interesting facts however.
One: The people who tend to be the MOST stupid are the people who HAVE lots of money. I have talked with people who earn 20,000 per month, and are spending 22,000 per month. People who get a paycheck of 6000 and spend a third of that shopping within days of their paycheck. Some of these people have savings, other have nothing, and if they lost their job they would be screwed.
Two: For everyone one person I met like that, I would encounter HUNDREDS of other people making less than 1000 per month and are barely getting by. Swamped by bills, payments and fees.
I have spent years looking at the spending habits of people, and I find often the people who are the MOST finically thrifty, are those who ARE unemployed, or making very little money.
Let me repeat your original assertion:
The conservative view is that financially responsible people should not have to subsidize financially irresponsible people just because those people were irresponsible.
Once again, how do YOU know who is "financially irresponsible" ?
Your assertion read that, if someone is unemployed, it must be BECAUSE they are "financially irresponsible". As though being stupid with money someone gets you unemployed.
Your second assertion for not wishing to pay for the unemployed was:
But those programs should be limited to people who are trying to be productive by doing things like actively searching for work, willing to learn new skills, willing to relocate, and willing to give up their own luxuries before taking mine
Once again, you assertion reeks of pomposity. Who are you to decide who is "Not being productive"
Do you honestly believe that there are a majority of people who get unemployment and set on their asses, twiddling their thumbs?
Do you believe that those getting paychecks that are dramatically reduced from what they used to get are happy with that? That someone with a large house, car, credit card payments, should abandon these things?
You talk as though you were someone who has never actually been face with hard finical choices.
Well, I have.
Six months ago I lost the job I had been at for over five.
At the time I had saving a 401k and was making an ok amount.
In the time it took me to find a new job (four months) I burned through my savings, cashed out my 401k and am now working at a job that pays significantly less.
For those four months I applied on average for about 10 jobs per day, with about 4 interviews per weeks.
I cut back on ALL expenses and fell behind on both my house payments and car insurance until I was able to cash out my 401k.
That kept me going till I got a job in November, but I am still bleeding money.
At any point during this, I cannot think of a single instance where I had been "fiscally irresponsible" I worked my ass off trying to find another job, and wasn't picky. I got the first job I was offered and am now working my ass off to cover bills.
And before you ask, my "house" is a very small two bedroom condo that my partner and I bought at 180k and is currently worth 115k. My car is a 2003 junker that I bought outright and am only paying insurance on. My health insurance payments are currently under my partners program and costing me 400$ a month.
So do let me know where I am being "fiscally irresponsible".
One last thing.
I wanted to point out something you said:
willing to give up their own luxuries before taking mine
This was the statement you used when explaining why you are opposed to having people receive extended unemployment.
that "People should give up theirs, before taking mine"
lets see, what does that sound like? OH YESS!
I've got mine, Fuck everyone else.
Funny that?