Funny meme but also inflation is bad
this post was submitted on 01 Jul 2025
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This is true
Not necessarily, if you own a home AND your pay slowly goes up to compensate (both of these unfortunately aren't happening for a lot of people), relative to your income your mortgage goes down.
Or in more generic terms, inflation is good if you borrow money.
Or in more generic terms, inflation is good if you borrow money.
If your interest is less than inflation.
Like my colleague who bought a house for about 1.5% before inflation nearly went to 10. Man.
Biggest reason why I started paying an extra 1k for housing per month... In 5 years, my crappy "luxury" apartment will cost more per month than my house. In 10 years, people will think it's insane how cheap my house is per month.
Or the country could collapse and my property will be worthless, but at that point I got bigger problems.
You are better off regardless of how much your interest rate is, as long as it is fixed. If your mortgage payments are fixed, but your pay increases with inflation, your real monthly mortgage payment goes down over time.
Eg, if your mortgage is $1000/mo, but at the end of this year a cheeseburger costs $1000, then your mortgage payment is the same cost as a cheeseburger. Doesn't matter if the interest rate you got originally was 1% or 99%.
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(3 replies)
inflation is good if you borrow money
at below the rate of inflation
Inflation going to 2% to 6% when you've got a credit card with a 30% APY is of very marginal benefit.
Your maths is not right. Inflation, in absolute terms, is a larger benefit to people with higher interest rates.
Let's consider the scenario where inflation is 10% for simplicity, and two borrowers who each borrow $100, but Borrower A at 5% annual simple interest and Borrower B at 25% annual simple interest. Both borrowers borrow the money at the beginning of Year 0.
Borrower A owes $105 in Year 1 dollars at the beginning of Year 1. This is equivalent to $95.45 in Year 0 dollars.
Borrower B owes $125 in Year 1 dollars at the beginning of Year 1. This is equivalent to $113.64 in Year 0 dollars.
Compared to a 0% inflation rate, Borrower A saved 9.55 Year 0 dollars and Borrower B saved 11.36 Year 0 dollars. Borrower B saved 1.81 more Year 0 dollars than Borrower B due to inflation (but paid 17.55 Year 0 dollars more overall because of interest).
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(6 replies)
I mean it more like if you would have borred 100K for a house in the 70s that was a lot of money, if you still live in that house you probably paid it back, but even if you didn't 100K today isn't that much money anymore
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Inflation was added to your mortgage rate. And now that everyone saves with real estate instead of saving money, the cost of real estate is very high.
So while your payments do go down over time, your hours worked to either rent or own have gone up.
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Deflation is worse.
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Well inflation IS bad, and at least here is outstripping pay increases for most people.
But those burrito private taxis are probably one of the few things going up in price more slowly than, you know things you actually need.
I haven't gotten a raise in almost 10 years.
Different companies.
Moved to a different state.
Now I just can't find work period.
Inflation isn't the only problem.
I am really sorry. I know how shit it feels being out of work. If you want to vent I'm here.
In this case however, both are bad.
Both is good is more in reference to picking both as the problem is good. Not that either choice is any good lol.
I'm a middle aged man. I've paid my mortgage. I've got savings. My pension is doing alright. I've got my shit together.
I still eat beans on toast more often than I get a takeaway. You don't need to send half your dinner money to the silicon valley cunts that are fucking everything up. Support your local food places by going in, that way they get all the money.
This cost me 1.80USD. Turns out if the government works to keep food prices low and gets rent down to 300-400/mo in the middle of major cities, 1 person running a small busibess can feed a lot of people cheaply.
Burritos should ride on the bus.
New startup: BusGrub.
You put in an order for what you want and pick a timeslot a few hours in the future. E.g. for dinner, you put your order in at like at like noon and pick a 5-7pm window. Then, approaching your scheduled slot, a bus goes all around the area, picking up every order for that slot in the area, then swings around to each drop-off over the course of like two hours.
Result: Everyone enjoys cheaper, but gross soggy food.
Please give me $20 mil starting capital, thanks.
This is like a food truck with extra steps.
Shhhh, I'm a Silocon Valley genius and deserve millions in venture capital. Call me Elizabus Holmes.
I notice that learning to cook is never an option
My niece was highly Uber eats dependent. Got her an air fryer for Christmas and it literally changed her life. Sometimes people want better but don't know how to get there
We carry access to all the knowledge of the world in our pocket.
Abundance of unstructured and chaotic knowledge that is blended with misinformation, ads, memes and attention grabbing 5 second videos tends to overwhelm most people.
It is buried in trash.
Okay, you're.....
...not wrong
Vegan, here. If I didn't cook, I wouldn't eat.
I'm so happy to have grown up in a country where not learning to cook isn't an option.
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Some government hand out "baby kits" for newborns - cot, blanket, nappies, bottles etc.
I think they should also hand out "self sufficiency kits" to new adults - pot & pan, utensils, cutlery, self sufficiency book w recipes, salt/pepper/herbs, coffee, tea seeds, vouchers and some other bits & pieces. Basically something to foster some independence, interest in cooking, diet and other life skills in new adults. And the school curriculum should also foster life skills.
Doesn't stop people eating out or buying takeaways but it shouldn't be the norm.
That's honestly shit your parents should teach you tbh. Though not everyone has a decent set so I agree on the school curriculum bit. Teach it in middle school for sure.
buying groceries is also more expensive than it should be. you also have to take the time to go do that, and if you don't have a car youre not likely to be getting very much stuff. then, you have to prepare the food, cook the food, and clean up after. i dont know about you, but my prep space, cooking space, and cleaning space are all the same small counter. im perfectly capable of cooking a meal, but I also hate cooking and don't enjoy it, for all the reasons i just said.
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I mean, both. Frivolous personal spending is bad. Inflation is bad. These two things are both bad, but not in scale. It's possible to say "Uber Eats is a waste of money", "Uber is a greedy corporation extracting money without value", "Corporate taxation has affected prices in a way that's negative to the consumer", and "Inflation and trade instability have made it harder to have the lifestyle we expect".
None of those are contradictory. Some can be changed on a personal level. Some need greater influence involved.
This is stupid. We pay other people to do things we can't or don't want to do all the time. That's what economy is.
The fact that people who order takeout could also cook at home instead doesn't diminish the impact of the inflation spikes that began with Putlers invasion. You can't fix the problems of neoliberalism on an individual level.
Back in the 90s and aughts you could get pizza or Chinese delivered. Usually only at the cost of throwing a few singles for the driver. While it was probably exploitative of the drivers, it did not take 30% of the value of the meal and send it to a rich moron in Silicon Valley. It was not seen as super luxurious to get pizza delivered on a Friday night.
2019: you could buy a house if you never went to Starbucks!
2025: no one cares how much money you save working from home, get back to work, get back to the kitchen, deal with the tarrifs!
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Says the guy who wonders if Smurfs fuck and talks to strange men in metal bunny costumes.
I don't think about fucking my family that's gross
Op buys avocado toast
Millennial upvote farmer
Avocado Toast Procurement Specialist and Millennial Upvote Farmer couple.
House Shopping Budget: 1.3Million.
In high interest loans
I don't get why people would waste money on delivery services. Would it kill someone to cook their own food, or collect food from a takeaway themselves? That's especially true for fast food where the fees & delivery charges could cost almost as much as the food itself.
I'm sure many rely on it for a good reason. A food delivery company in my country partners with a charity to enable phone orders and free delivery to the elderly.
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