Author Topic: Mustachian People Problems (just for fun)  (Read 4434871 times)

dcheesi

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Re: Mustachian People Problems (just for fun)
« Reply #7750 on: August 17, 2020, 04:10:01 PM »
I just use a small scissor. Am I sick? Is that the reason I am a paria in society?

I use nail scissors. I think I have used the same ones during 25 years.

My right-handed nail scissors are useless when held in my left hand (to cut the nails on my right hand).  Do yours work irregardless of which hand is holding them?
As a lefty, using scissors the "wrong" way is a necessary life skill. It's definitely something you can learn, though it's much easier to do with good quality scissors; if you have a pair that's dull, or worse yet has a loose hinge between the blades, it can be next to impossible to cut some things left-handed.

Poundwise

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Re: Mustachian People Problems (just for fun)
« Reply #7751 on: August 17, 2020, 04:28:54 PM »
At one point I had three sets of nail clippers, all of which I had got out of Christmas crackers. One has now disappeared, one is very loose and clanky to the point of being borderline unusable, one is still in fine condition. Who BUYS nail clippers when you could buy Christmas crackers instead??

 You can actually get useful things out of Christmas crackers???  I just went down the rabbit hole and found all the things one can find in a luxury cracker... wow!
« Last Edit: August 17, 2020, 04:39:09 PM by Poundwise »

Plina

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Re: Mustachian People Problems (just for fun)
« Reply #7752 on: August 17, 2020, 11:08:30 PM »
I just use a small scissor. Am I sick? Is that the reason I am a paria in society?

I use nail scissors. I think I have used the same ones during 25 years.

My right-handed nail scissors are useless when held in my left hand (to cut the nails on my right hand).  Do yours work irregardless of which hand is holding them?

Yes, they do. They are for both hands. I have these: https://www.finnishdesignshop.com/bathroom-hygiene-cosmetics-toothbrushes-nail-clippers-classic-curved-manicure-scissors-p-14253.html

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7753 on: August 18, 2020, 12:38:02 AM »
Why do you guys waste money on a pair of scissors specifically dedicated to doing a job you can easily do with your teeth?

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #7754 on: August 18, 2020, 12:40:21 AM »
I just use a small scissor. Am I sick? Is that the reason I am a paria in society?

I use nail scissors. I think I have used the same ones during 25 years.

My right-handed nail scissors are useless when held in my left hand (to cut the nails on my right hand).  Do yours work irregardless of which hand is holding them?
As a lefty, using scissors the "wrong" way is a necessary life skill. It's definitely something you can learn, though it's much easier to do with good quality scissors; if you have a pair that's dull, or worse yet has a loose hinge between the blades, it can be next to impossible to cut some things left-handed.

With a pair of right handed scissors the 'natural' cutting motion pushes the cutting edges of the blades together in the horizontal plane if you use your right hand, but pulls them apart to give a gap if you use your left.  It takes practice, but you can compensate for this by changing your thumb and finger angles and consciously forcing the blades together in the horizontal plane as they close.   It feels awkward and unnatural, but they will cut perfectly well when using the 'wrong' hand.
« Last Edit: August 18, 2020, 01:38:31 AM by PhilB »

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #7755 on: August 18, 2020, 02:41:57 AM »
My MPP - Trader Joe's has increased the cost of their chocolate croissants.  Used to be $4.49, now $4.79.  To be fair, for a long time I thought they were $4.99 and I was telling everyone I was paying $1.25 for a way better croissant than what you get at Starbucks or most other cafes (where they've been out of the oven for hours), and that probably costs the same as the whole box from TJs.  But I was actually paying $1.12!  And now, unfortunately, I'm paying $1.20! 

I pray no one ever tells Trader Joe's how much I'd be willing to pay for those delicious croissants.
Are chocolate croissants crescent-shaped or are they the rectangular things that are actually called pain au chocolat in France?

The latter. Yeah, I have no idea why they are widely called croissants (more then just TJs seem to use that name). I can understand wanting something a little less obviously French, not to mention what the word "pain" conjures up in English-speaking minds. But I guess a little surprised they don't just have some other name for it!

Thanks to you I just had one for breakfast. Just had to buy one after reading this last night. In my country they have the correct shape and are called 'little chocolate bread' in Dutch. All the fancy shops use French names for their products though. Seems like people are willing to pay more for a petit pain cereal or a pain d'Ardenne than for a similar product with a Dutch name.

dcheesi

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Re: Mustachian People Problems (just for fun)
« Reply #7756 on: August 18, 2020, 06:23:39 AM »
My MPP - Trader Joe's has increased the cost of their chocolate croissants.  Used to be $4.49, now $4.79.  To be fair, for a long time I thought they were $4.99 and I was telling everyone I was paying $1.25 for a way better croissant than what you get at Starbucks or most other cafes (where they've been out of the oven for hours), and that probably costs the same as the whole box from TJs.  But I was actually paying $1.12!  And now, unfortunately, I'm paying $1.20! 

I pray no one ever tells Trader Joe's how much I'd be willing to pay for those delicious croissants.
Are chocolate croissants crescent-shaped or are they the rectangular things that are actually called pain au chocolat in France?

The latter. Yeah, I have no idea why they are widely called croissants (more then just TJs seem to use that name). I can understand wanting something a little less obviously French, not to mention what the word "pain" conjures up in English-speaking minds. But I guess a little surprised they don't just have some other name for it!
Ran into the same thing in a cafe the other day. They had "butter croissants" (aka croissants), and "almond croissants" which were still crescent shaped, but their most popular item was the "chocolate croissant" which was rectangular, though it did use the "croissant" style buttered pastry dough --I suppose maybe that's the reason, since most USians only know that style of pastry as "croissant"?
« Last Edit: August 18, 2020, 06:25:51 AM by dcheesi »

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7757 on: August 18, 2020, 06:45:01 AM »
Why do you guys waste money on a pair of scissors specifically dedicated to doing a job you can easily do with your teeth?
Because new scissors are much less expensive than new teeth. Oh, wait. Dragon teeth. Totally different. Hmmm, this I'd like to see...

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #7758 on: August 18, 2020, 10:16:44 AM »
Why do you guys waste money on a pair of scissors specifically dedicated to doing a job you can easily do with your teeth?
Because new scissors are much less expensive than new teeth. Oh, wait. Dragon teeth. Totally different. Hmmm, this I'd like to see...

Dragons don't have nails, they have sharp claws.  So clippers would not be needed.  What self-respecting Dragon wants blunt claws?

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #7759 on: August 18, 2020, 12:44:53 PM »
Huh, over here a pain au chocolat is rectangular and a chocolate croissant is like a normal crescent-shaped croissant but with a sort of chocolatey spread filling. Even in supermarkets!

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7760 on: August 18, 2020, 01:59:55 PM »
Why do you guys waste money on a pair of scissors specifically dedicated to doing a job you can easily do with your teeth?
Because new scissors are much less expensive than new teeth. Oh, wait. Dragon teeth. Totally different. Hmmm, this I'd like to see...

Dragons don't have nails, they have sharp claws.  So clippers would not be needed.  What self-respecting Dragon wants blunt claws?
Hmmm, does a dragon who bites his nails have a teeny tiny insecurity problem, perhaps? Oh no, not our dragoncar!

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #7761 on: August 18, 2020, 02:31:36 PM »
Why do you guys waste money on a pair of scissors specifically dedicated to doing a job you can easily do with your teeth?
Because new scissors are much less expensive than new teeth. Oh, wait. Dragon teeth. Totally different. Hmmm, this I'd like to see...

Dragons don't have nails, they have sharp claws.  So clippers would not be needed.  What self-respecting Dragon wants blunt claws?
Hmmm, does a dragon who bites his nails have a teeny tiny insecurity problem, perhaps? Oh no, not our dragoncar!

I'm pretty sure @dragoncar was just being thoughtful about us humans who have plain old primate teeth. Perhaps he leaves his claws alone but sharpens his teeth with car snacks and thought we should do something similar.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7762 on: August 18, 2020, 03:52:26 PM »
Huh, over here a pain au chocolat is rectangular and a chocolate croissant is like a normal crescent-shaped croissant but with a sort of chocolatey spread filling. Even in supermarkets!
Which is what it is in France also. Probably because you are physically close to France. :)

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #7763 on: August 18, 2020, 04:25:07 PM »
I ate my many a pain au chocolat as well as a few chocolate croissant during my summer in Paris.  I lived just a little walk from a bakery in the 14th ar. that claimed to have the second best Pain au Chocolat in the city.  I never did find the first, but I tried!

And here is our MMP. We only use the AC when truly necessary. Weíve got a couple window fans and havenít had air on in a few weeks but my goodness the neighbors heat pumps are loud!! We sometimes think itís our heat pump running and need to check to be sure itís off.

Poundwise

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Re: Mustachian People Problems (just for fun)
« Reply #7764 on: August 18, 2020, 07:11:45 PM »
I was discussing the economy with a relative, who was complaining about how the rich were expected to support the unemployed.  I said that I'd be willing to do my part and pay taxes as needed to get people on their feet again.  She looked at me in my elderly t-shirt and shorts, with my dented car, and said scornfully, "I'm not talking about people like YOU!"

I didn't feel like I needed to enlighten her about my net worth, but yes, I do now fall into the "haves" demographic.
 

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7765 on: August 18, 2020, 07:35:41 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

oldladystache

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Re: Mustachian People Problems (just for fun)
« Reply #7766 on: August 18, 2020, 08:03:58 PM »

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

I've only bought one entire house this year to help someone, and it's a good feeling. I don't tell people about it though.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7767 on: August 18, 2020, 08:35:32 PM »

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

I've only bought one entire house this year to help someone, and it's a good feeling. I don't tell people about it though.

It *is* a good feeling.    And I don't generally mention it either other than here, where I'm anonymous.
   

Travis

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Re: Mustachian People Problems (just for fun)
« Reply #7768 on: August 18, 2020, 08:47:48 PM »

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

I've only bought one entire house this year to help someone, and it's a good feeling. I don't tell people about it though.

It *is* a good feeling.    And I don't generally mention it either other than here, where I'm anonymous.
   

As some kind of real estate-based charity thing, or for a family member "here's the deed and the keys?"

oldladystache

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Re: Mustachian People Problems (just for fun)
« Reply #7769 on: August 18, 2020, 08:53:05 PM »
mine was for a family member

Travis

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Re: Mustachian People Problems (just for fun)
« Reply #7770 on: August 18, 2020, 09:07:45 PM »
mine was for a family member

There are a couple folks in my circle I wish I had the resources to do this for.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7771 on: August 18, 2020, 10:52:51 PM »

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

I've only bought one entire house this year to help someone, and it's a good feeling. I don't tell people about it though.

It *is* a good feeling.    And I don't generally mention it either other than here, where I'm anonymous.
   

As some kind of real estate-based charity thing, or for a family member "here's the deed and the keys?"

One was for a family friend to get their rental property business jump-started.  I bought it and funded the renovation, they did bulk of the work.   Then I sold it to them for cost, $94,000, on 0% and no payments for 2 years, then a 30 year amortization for 3% the first year and 5% the remaining 29.   We have a handshake they'll refinance sometime in year 3, which will free up that capital to help someone else.   We set those terms so they could build up a repair kitty pretty quickly, plus they get all the sweat equity in the newly renovated property.   And, with 2 years of profitable returns under their belt, it will be easier for them to get more loans for more rental properties.    I'm pretty sure the person we helped get into the real estate business will help others get going in the future.   That's the kind of couple they are, which is part of the reason we picked them.

One was for a family friend that my mentally handicapped daughter thinks of as her grandmother (and vice-versa).   We bought a distressed house for $62,500, she fixed it up over the next 10 months until it was mortgage-ready, and then we sold it to her a few thousand below cost. (We ignored the insurance, taxes and utility costs.)    She got a much, much nicer house than she could have afforded otherwise as that sweat equity saved her about $25,000.   She's got a small 15yr mortgage.   That house will start her family on the path to having generational wealth to pass on.   A $100,000 house doesn't sound like a lot, but it's a solid start.   

The third was to turn into a half-way house, a group home for foster kids who age out of the system.   But covid caused a lot of delays and tradesmen in our area don't want to follow covid safety guidelines.  I like to be generous but I don't feel like dying because of it, so we're selling it at a loss and using it (plus the sale of our old home) to pay off the mortgage on our new home.   We'll be donating $1000 a month until we reach the same amount as we get for selling it, which will take about 54 months.   I think it will be fun sending charities or just good people who need help a check for $1k.  (It will be an anonymous check if it's to people.)

The original plan would have had the house cost about $75k after renovations (We have $10k already in it, hence selling for a loss.   The value of a distressed property really doesn't go up much until it's "done".)

Original plan for $94k plus $64.5k plus $75k = $233.5k worth of help to people that would only cost us $77k.   And if times were tough, we could have rented out the group home as a for-profit for a few years to recoup some of our investment before we donated it.    As it stands, it will end up costing us about $68k to give about $222.5k worth of help to others.    Not counting opportunity costs, of course, because we could have made money in the market had we invested it.

I don't think that charity has to be limited to just giving stuff and money away.  It can also be laser-targeted to help people leverage their situation into a better one by setting up very generous terms they could not otherwise get. 

When that $94k house gets refinanced, we'll have $94k plus whatever interest comes in in year 3 available to help someone else out with.   Maybe by then we'll have found another person who could use a jump-start in the real estate business.   It's the kind of thing that can transform someone's life for the better, which is what charity is actually supposed to do.    Or maybe we'll find another property that's good for a group home and set it up.    Or just donate it at $1k a month.

Anyway, that's how we put our charity dollars to work.

Hope some of you find it helpful in finding creative ways to afford way more charity than you otherwise thought possible.

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Re: Mustachian People Problems (just for fun)
« Reply #7772 on: August 18, 2020, 11:56:53 PM »
Thank you SwordGuy, that is very inspiring

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #7773 on: August 19, 2020, 04:09:25 AM »
Interesting tactic Swordguy!

I was discussing the economy with a relative, who was complaining about how the rich were expected to support the unemployed.  I said that I'd be willing to do my part and pay taxes as needed to get people on their feet again.  She looked at me in my elderly t-shirt and shorts, with my dented car, and said scornfully, "I'm not talking about people like YOU!"

I didn't feel like I needed to enlighten her about my net worth, but yes, I do now fall into the "haves" demographic.

She is totally right. If you aren't complaining about too high taxes, you aren't rich!!

But in honesty, that is like the factory owner complaining about the taxes to build streets the factory workers use to get to his factory.

I've only bought one entire house this year to help someone, and it's a good feeling. I don't tell people about it though.
If you want to feel even better, you could buy me a house and make me FIRE 10 years earlier :P

Jokes side, remember all those foreclosures after the banking crisis? Houses were bought on the cheap by big funds and people were sitting on the street. That is a perfect example of what I think your "investment" hould not be.

Personally I would love to have the money to restaurate all the 200+ years old houses in my small town. Their view is such a pity!

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #7774 on: August 19, 2020, 05:03:40 AM »
Thank you for that story @SwordGuy and that real work and risk investing directly in people. Iíve got lots of interesting things to think through.

We are really early in our $ saving journey and earning more money than ever (though small potatoes compared to many on this forum!) and it really has us thinking about how we can be generous. For so many years we were so tight, it feels amazing to be able to start giving things away.

Perhaps thatís a mpp, struggling to balance focusing on our own future security with the desire to be generous to those in need around us.
« Last Edit: August 19, 2020, 05:05:41 AM by PMG »

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7775 on: August 19, 2020, 08:40:35 AM »
Thank you for that story @SwordGuy and that real work and risk investing directly in people. Iíve got lots of interesting things to think through.
You're welcome!    Honestly, there really wasn't much risk. 

We are really early in our $ saving journey and earning more money than ever (though small potatoes compared to many on this forum!) and it really has us thinking about how we can be generous. For so many years we were so tight, it feels amazing to be able to start giving things away.
Generosity doesn't have to be "big" like a house.   Sometimes what people need most is a generous spirit to shower them with friendship and affection.

Perhaps thatís a mpp, struggling to balance focusing on our own future security with the desire to be generous to those in need around us.
It is.   

I ran across two comments some years ago that stuck with me.   "Money doesn't change people, it just lets them be more of what they already are."       That and "Begin as you mean to continue."

Targeted help doesn't have to cost a lot of money.   It doesn't even have to cost money at all.   Here's an example.   My dad had passed away and my mom got sick.   I had to go fly to see her at the last minute.     She lived about 7 hours away.   That money was a sunk cost.

I had a friend who didn't have much money and who had wanted to visit her friends in the city where my mom lived.    Instead of buying a return plane ticket, I paid her to drive my car to my mom's city.   She spent the weekend with her friends and then we both drove home in my car.   I think I even saved $10!   She got needed cash in her pocket, she got a paid vacation, we had a nice chat on the drive home, AND it wasn't charity because she was doing me a favor by saving me money.  (I never mentioned it was only a few dollars.)    The opportunities are out there if you look for them.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #7776 on: August 19, 2020, 09:03:34 AM »
This is probably a dumb question, but for those of you who've sent people anonymous checks, how do you actually accomplish that? Is it a bank thing? A money order?

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #7777 on: August 19, 2020, 09:14:58 AM »
Couponing isn't any fun any more. I used to have such fun matching sales to coupons and getting the 'best deals'. Now I realize I don't need much of that stuff--packaged snacks, makeup, prepared foods. There are more frugal options in most cases.

Most coupons I see for supermarkets are for name-brand packaged items, mostly processed items, not actually healthy despite the labeling.
Hasn't really worked for us since we buy fresh fruit and veg, and store brand items. And if we need to buy bulk, it's off to Sam's Club.

I think it's rare that I see someone using coupons in the checkout aisle.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7778 on: August 19, 2020, 09:23:18 AM »
This is probably a dumb question, but for those of you who've sent people anonymous checks, how do you actually accomplish that? Is it a bank thing? A money order?

I don't think it's a dumb question at all!

We haven't done it yet.    I think a cashier's check would work.  I don't know anything about money orders.

We have a real estate company but very few people know what it's name is, so writing the checks from that is an option.   I suppose people could track it back to us but most wouldn't.  We just have to double-check with our accountant.

We thought about setting up a charity donor fund (which would have it's own account).  But we have to do some more research.   I'm not sure that "the tax rules" for who you can give what to would mesh with what we want to do, so a formal non-profit might not be a good move.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #7779 on: August 19, 2020, 09:29:24 AM »
Couponing isn't any fun any more. I used to have such fun matching sales to coupons and getting the 'best deals'. Now I realize I don't need much of that stuff--packaged snacks, makeup, prepared foods. There are more frugal options in most cases.

Most coupons I see for supermarkets are for name-brand packaged items, mostly processed items, not actually healthy despite the labeling.
Hasn't really worked for us since we buy fresh fruit and veg, and store brand items. And if we need to buy bulk, it's off to Sam's Club.

I think it's rare that I see someone using coupons in the checkout aisle.

I do in app grocery coupons that load to the loyalty card, and both our stores, Kroger & Food City, often have coupons for store brand items, like oatmeal, yogurt, cheese etc. Silly they make us jump through the hoops for those discounts, but I often do it and it adds up to a couple dollars each time.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7780 on: August 19, 2020, 09:41:05 AM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

SquashingDebt

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Re: Mustachian People Problems (just for fun)
« Reply #7781 on: August 19, 2020, 10:06:43 AM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.


I earn almost $100k now and my rent is $745 a month :)  Specialized job in a LCOL area.

I haven't seen the chart though, so can't comment on it specifically.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #7782 on: August 19, 2020, 10:13:54 AM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.


I earn almost $100k now and my rent is $745 a month :)  Specialized job in a LCOL area.

I haven't seen the chart though, so can't comment on it specifically.

You can find $800 rent just about anywhere, as long as you're willing to compromise on everything else. Roommates, renting a single basement room in a house, etc.

I live in a MCOL city, earn in that neighborhood, and I can get a variety of studios in the city on public transit routes for $800. They're tiny, not well maintained and have zero amenities, but they're out there.

My mortgage for a 1400 sq ft house would've been about $800-900 if I hadn't gone for the 15 year option.

ChickenStash

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Re: Mustachian People Problems (just for fun)
« Reply #7783 on: August 19, 2020, 10:35:03 AM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.


I earn almost $100k now and my rent is $745 a month :)  Specialized job in a LCOL area.

I haven't seen the chart though, so can't comment on it specifically.

You can find $800 rent just about anywhere, as long as you're willing to compromise on everything else. Roommates, renting a single basement room in a house, etc.

I live in a MCOL city, earn in that neighborhood, and I can get a variety of studios in the city on public transit routes for $800. They're tiny, not well maintained and have zero amenities, but they're out there.

My mortgage for a 1400 sq ft house would've been about $800-900 if I hadn't gone for the 15 year option.

I haven't seen that particular chart, either, but that income level and rent isn't all that unusual here in fly-over country. $800 would get a pretty nice apartment in my area. That would be for a single person. Roommates and such would drop it accordingly. About the lowest I've seen for a single occupant is $500 but that getting to be a pretty small apartment.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #7784 on: August 19, 2020, 10:47:29 AM »
I thought about turning on the AC, but there was a brown out while I was debating with myself.

A couple of days later, DH mentioned turning on the AC and I pointed out that we probably shouldn't start during high peak hours, given the rolling blackouts in the area. Plus, he couldn't commit to communicating with our roommate who likes the heat and would have to shut her windows to allow us to turn the AC on. Instead, he decided to get up earlier and get some of his work done before it gets too hot.

It is only in the high 80s. I think consecutive days in the mid 90s and we would have gone ahead and used the AC.
« Last Edit: August 19, 2020, 10:49:20 AM by ixtap »

Anette

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Re: Mustachian People Problems (just for fun)
« Reply #7785 on: August 19, 2020, 11:11:26 AM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

I see your point but you could obviously have differing opinions on that
As @englishteacheralex once put it on this forum

 " Habitual giving trains one's soul to stop thinking of money as a fortress against misfortune or an end in and of itself. We don't give because various charities need money, we give because we need to get rid of money's hold on our soul"

Can't remember when and exactly where he wrote this but I have this quote on my fridge now and think especially the second sentence is really true ( but not the only reason for giving)
I think this feeling of abundance that you can have even while you are earning little is something to be cherished while a scarcity mindset is extremely unhelpful and stressful.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7786 on: August 19, 2020, 12:42:09 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

That chart came from an article.   The article clearly (and I do mean CLEARLY) explains that the young man has 3 roommates.   So rent, utilities, cable and the housecleaner bill would be 4 times as high in total.

The chart showed "spending".   Charity is spending.   Savings is not "spending".

Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #7787 on: August 19, 2020, 05:26:02 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

I see your point but you could obviously have differing opinions on that
As @englishteacheralex once put it on this forum

 " Habitual giving trains one's soul to stop thinking of money as a fortress against misfortune or an end in and of itself. We don't give because various charities need money, we give because we need to get rid of money's hold on our soul"

Can't remember when and exactly where he wrote this but I have this quote on my fridge now and think especially the second sentence is really true ( but not the only reason for giving)
I think this feeling of abundance that you can have even while you are earning little is something to be cherished while a scarcity mindset is extremely unhelpful and stressful.

I think that I'm missing some subtleties here. @Annette can you help me to understand your position? I quite like the quote that you shared but fail to see how that wisdom differs from what SwordGuy or others who give is doing.  His extreme generosity shows that he is using money as a tool for good, rather than hoarding it just in case.

Is your disagreement rather with the idea that you should maybe give less while you're earning less so that you can build your own stash before helping others? I can certainly see how giving would be a way to ease the scarcity mindset because it lets you see your own abundance (in health, ability to work and other areas, even if not in savings). Where I often cringe in the case studies is when people tithe while increasing their debt every month. So long as they're in the black, I'm all for giving.

Travis

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Re: Mustachian People Problems (just for fun)
« Reply #7788 on: August 19, 2020, 06:15:53 PM »
Couponing isn't any fun any more. I used to have such fun matching sales to coupons and getting the 'best deals'. Now I realize I don't need much of that stuff--packaged snacks, makeup, prepared foods. There are more frugal options in most cases.

Most coupons I see for supermarkets are for name-brand packaged items, mostly processed items, not actually healthy despite the labeling.
Hasn't really worked for us since we buy fresh fruit and veg, and store brand items. And if we need to buy bulk, it's off to Sam's Club.

I think it's rare that I see someone using coupons in the checkout aisle.

We only do it when the coupon is in the aisle right in front of the item as we pluck it off the shelf. I tried doing the digital coupon thing, but nothing we buy is ever on offer.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7789 on: August 19, 2020, 07:16:41 PM »
This came across my FB feed this evening and I really like it.   It fits in with the discussion we have about how to help people out.  Sometimes it really is this easy.

And the equally important part is how the lady avoids making the other folks feel like they are receiving charity.   It's not always possible to do that but it's awesome when you can.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #7790 on: August 20, 2020, 03:24:20 AM »
Couponing isn't any fun any more. I used to have such fun matching sales to coupons and getting the 'best deals'. Now I realize I don't need much of that stuff--packaged snacks, makeup, prepared foods. There are more frugal options in most cases.

Most coupons I see for supermarkets are for name-brand packaged items, mostly processed items, not actually healthy despite the labeling.
Hasn't really worked for us since we buy fresh fruit and veg, and store brand items. And if we need to buy bulk, it's off to Sam's Club.

I think it's rare that I see someone using coupons in the checkout aisle.

Haha, similar here often. I get excited to see a big discount just to realize it is for some expensive brand, which is more expensive even with discount than the store brand (which often is similar or even better).
Dang, I can't save money even with a 40% discount!

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
T'was quite funny.
(Also watch Americans testing Japanese seven-eleven konbini food to really appreciate how bad your US stuff is :D)

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7791 on: August 20, 2020, 08:50:53 AM »

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
Iím sorry, I just canít follow this. The Aldi brands are cheaper? Better? Worse? 30% better/worse/more expensive/cheaper?

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #7792 on: August 20, 2020, 09:53:42 AM »

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
Iím sorry, I just canít follow this. The Aldi brands are cheaper? Better? Worse? 30% better/worse/more expensive/cheaper?

They were all half the price.  50% of them were as good. 30% were worse.  20% were better.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #7793 on: August 20, 2020, 10:04:37 AM »

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
Iím sorry, I just canít follow this. The Aldi brands are cheaper? Better? Worse? 30% better/worse/more expensive/cheaper?

They were all half the price.  50% of them were as good. 30% were worse.  20% were better.

There is a British show that goes in and swaps out a family's favorites for a week with everything in generic packaging. They can rarely tell which items were switched and which were not. The only problem is, the replacements come from like five different stores, so shopping would be a nightmare.

I find that Aldi's prices aren't any lower than generic, while the grocery store I get my generics at has a wider variety. It seems like Aldi's is similar to Trader Joe's in so far as most of the excitement seems to be around pre made foods and treats, with a limited selection of ingredients.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7794 on: August 20, 2020, 10:54:50 AM »

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
Iím sorry, I just canít follow this. The Aldi brands are cheaper? Better? Worse? 30% better/worse/more expensive/cheaper?

They were all half the price.  50% of them were as good. 30% were worse.  20% were better.
Got it. Thanks for the clarification.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7795 on: August 20, 2020, 10:58:21 AM »

btw. a few weeks ago I have watched a video of a US couple making a comparison between name brands and ALDI. Holy sh*** where those two dumbfounded that they payed only half for stuff that was 20% better, 50% equally (or nigligible worse) and only 30% noticeable worse than the expensive brands.
Iím sorry, I just canít follow this. The Aldi brands are cheaper? Better? Worse? 30% better/worse/more expensive/cheaper?

They were all half the price.  50% of them were as good. 30% were worse.  20% were better.

There is a British show that goes in and swaps out a family's favorites for a week with everything in generic packaging. They can rarely tell which items were switched and which were not. The only problem is, the replacements come from like five different stores, so shopping would be a nightmare.

I find that Aldi's prices aren't any lower than generic, while the grocery store I get my generics at has a wider variety. It seems like Aldi's is similar to Trader Joe's in so far as most of the excitement seems to be around pre made foods and treats, with a limited selection of ingredients.
Iím a TJís fan. I appreciate that the selection is narrower because it makes it easier for e to shop: much less mental fatigue. If I go to a place like Safeway I spend way more time shopping and end up vaguely dissatisfied because it is a lot of work to choose between the five brands and six flavors of whatever while taking into account different package sizes and cost per unit and weekly sales. Ugh. Just give me creamy peanut butter and let me be on my way! I also find on average TJ products have fewer ingredients, way fewer gotcha crap additives, and often the taste and quality just seems higher. I went through a period before having kids of being intensely lactose intolerant and found I had a much easier time navigating labels at TJís than at Safeway.

Poundwise

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Re: Mustachian People Problems (just for fun)
« Reply #7796 on: August 20, 2020, 12:38:00 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.

I just love your MPP, @SwordGuy !

We set up a DAF (no harder than setting up any other sort of fund online) but find that it reduces spontaneity... when times are hard, it often coincides with the market being down, which makes me reluctant to sell.  It's a good option for scheduled regular donations.
« Last Edit: August 20, 2020, 12:40:24 PM by Poundwise »

Anette

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Re: Mustachian People Problems (just for fun)
« Reply #7797 on: August 20, 2020, 03:32:07 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

I see your point but you could obviously have differing opinions on that
As @englishteacheralex once put it on this forum

 " Habitual giving trains one's soul to stop thinking of money as a fortress against misfortune or an end in and of itself. We don't give because various charities need money, we give because we need to get rid of money's hold on our soul"

Can't remember when and exactly where he wrote this but I have this quote on my fridge now and think especially the second sentence is really true ( but not the only reason for giving)
I think this feeling of abundance that you can have even while you are earning little is something to be cherished while a scarcity mindset is extremely unhelpful and stressful.

I think that I'm missing some subtleties here. @Annette can you help me to understand your position? I quite like the quote that you shared but fail to see how that wisdom differs from what SwordGuy or others who give is doing.  His extreme generosity shows that he is using money as a tool for good, rather than hoarding it just in case.

Is your disagreement rather with the idea that you should maybe give less while you're earning less so that you can build your own stash before helping others? I can certainly see how giving would be a way to ease the scarcity mindset because it lets you see your own abundance (in health, ability to work and other areas, even if not in savings). Where I often cringe in the case studies is when people tithe while increasing their debt every month. So long as they're in the black, I'm all for giving.

Thank you @Sunhat  for asking as I realise now it wasn't obvious what I was referring to.
So I was referring to yvette9s statement, specifically the last two sentences.
 "The charity thing didn't make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure."

 Security obviously is not easily measured but rather a personal feeling of what does a person need to feel financially secure so the statement is somewhat vague. I imagine a lot of people will be feeling that their future is secure once they reach FI but I feel giving is something I want to do along the way already, enjoying that grateful, humble feeling of abundance, knowing I am blessed and fortunate.

Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #7798 on: August 20, 2020, 06:35:56 PM »
Thanks Annette, that makes sense now. I think that there's merit in both positions. I know that charitable giving certainly eases my own sense of scarcity, as well as my urge to keep up with the Jonses. On the other hand, money provides options in the face of both opportunities and challenges, and that's a luxury that I certainly value. I imagine that each of us has to find our own balance.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7799 on: August 20, 2020, 09:46:04 PM »
There's a spending chart making the social media rounds from an article about a 25 yr old Boston man who makes $100K and spends about $33K.   Of course, lots of uninformed comments by the hoi polloi about how it's impossible, etc.

The young man, to his credit, donates over $600 a month for charitable purposes.   This is a source of complete disbelief to a lot of people.  They simply can't comprehend it's possible.   It's only a bit over 7% of his income.  I personally know quite a few families who tithe (that's 10% for those who don't know) and I'm sure you've all seen case studies where people tithe to their church or charities.

So, my MPP problem is that for me to give us as an example, I have to say, "Dude, we buy ENTIRE HOUSES to help other people out.   Three in the last 2 years, as a matter of fact."

Not sure they'll believe that.
I saw that chart going around on FB and there were a number of things that didnít add up. Like how you earn $100k in a location where rent is $800/mo. The charity thing didnít make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure.

I see your point but you could obviously have differing opinions on that
As @englishteacheralex once put it on this forum

 " Habitual giving trains one's soul to stop thinking of money as a fortress against misfortune or an end in and of itself. We don't give because various charities need money, we give because we need to get rid of money's hold on our soul"

Can't remember when and exactly where he wrote this but I have this quote on my fridge now and think especially the second sentence is really true ( but not the only reason for giving)
I think this feeling of abundance that you can have even while you are earning little is something to be cherished while a scarcity mindset is extremely unhelpful and stressful.

I think that I'm missing some subtleties here. @Annette can you help me to understand your position? I quite like the quote that you shared but fail to see how that wisdom differs from what SwordGuy or others who give is doing.  His extreme generosity shows that he is using money as a tool for good, rather than hoarding it just in case.

Is your disagreement rather with the idea that you should maybe give less while you're earning less so that you can build your own stash before helping others? I can certainly see how giving would be a way to ease the scarcity mindset because it lets you see your own abundance (in health, ability to work and other areas, even if not in savings). Where I often cringe in the case studies is when people tithe while increasing their debt every month. So long as they're in the black, I'm all for giving.

Thank you @Sunhat  for asking as I realise now it wasn't obvious what I was referring to.
So I was referring to yvette9s statement, specifically the last two sentences.
 "The charity thing didn't make sense when there was no slice in the pie for saving. Charity is nice but that is way down the list after you make sure your own present and future are secure."

 Security obviously is not easily measured but rather a personal feeling of what does a person need to feel financially secure so the statement is somewhat vague. I imagine a lot of people will be feeling that their future is secure once they reach FI but I feel giving is something I want to do along the way already, enjoying that grateful, humble feeling of abundance, knowing I am blessed and fortunate.
I see what you are saying and I donít necessarily disagree with you. The specific reason I say that in this example is the person is said to be 25. So unless there is an inheritance involved, this person likely is nowhere near financial security due to having recently started her/his career. If the person were 35 and we could assume they had saved a comfortable cushion in case of hardship, Iíd be more likely to agree with you.