7 minutes ago, DBW said:

This is such a bad idea.  

The Department of Ed could get a major audit, but yeah, dismantling it is a horrible idea. I don’t know what that woke libtard, Thomas Jefferson was thinking by pushing public education. Oh yeah that’s right, he knew that education was an essential part of a free society. Dictators hate the educated. 

23 minutes ago, It Hurts said:

So much winning 

 

 

Nobody tell this dude the primary driver of Army enlistment. 

1 minute ago, Tnt4philly said:

The Department of Ed could get a major audit, but yeah, dismantling it is a horrible idea. I don’t know what that woke libtard, Thomas Jefferson was thinking by pushing public education. Oh yeah that’s right, he knew that education was an essential part of a free society. Dictators hate the educated. 

Stop defending known slaveowners.

What's wrong with you?

26 minutes ago, mayanh8 said:

That's actually a genius idea. I have to remember that one.

30 minutes ago, Procus said:

So much winning in such a short period of time

Good luck to those of you with kids in red states.........oh wait.

31 minutes ago, mayanh8 said:

I wouldn't call it non existent, more like exaggerated 

4 minutes ago, Paul852 said:

Good luck to those of you with kids in red states.........oh wait.

It takes an act of congress to get rid of the DOE

5 minutes ago, Paul852 said:

Good luck to those of you with kids in red states.........oh wait.

Like anything else the benefit of a federal agency is having the power and finances of the federal government.  But it also cost taxpayers a lot of money.  The main victims will be special needs kids like @Procus

1 hour ago, Dave Moss said:

Like anything else the benefit of a federal agency is having the power and finances of the federal government.  But it also cost taxpayers a lot of money.  The main victims will be special needs kids like @Procus

4 hours ago, we_gotta_believe said:

The problem, as is now painfully obvious, is that the average American is dumb. Their stupidity causes them make bad financial decisions, bad health decisions, and as history has shown, bad electoral decisions. I think a lot of it boils down to education. They can be taught and coerced into making small incremental gains in knowledge to the point where they start making fewer bad decisions over time. But it does take time and effort, and often times the light bulb goes on far too late in life. By then, they're already in poor health; financially, physically, mentally, etc. 

And to be clear, this isn't a "be less poor" argument, it's a "be less stupid with the money you do have" argument. Which usually requires taking on short-term pain for long-term gain. It means having the discipline to save and invest an amount of money that a majority of people would easily spend without giving it a second thought. It means doing things that involve math, like having a monthly budget and setting savings goals. Shortly after college, I was told that by the time I turned 40, my 401k balance should have grown to be roughly 3x my income. I set a goal to have 4x instead, and ended coming up just short of 5x.

But as I mentioned, if nobody is teaching you this stuff, then it's not something most people will seek out and learn on their own. Even the most obvious financial landmines are being stampeded on in the age where most answers are found within a couple minutes of a google search. I'm still absolutely dumbfounded by the number of people who aren't paying off credit cards in full and aren't maxing out their employer's 401k match. The 401k match is literally free money and they're basically like, "Nah, I'm good, I'd rather the company keep that money that I worked so hard for. They need it more than me!"

Yes, that’s the problem that was identified in the 1930’s. We can either kill off the old people who failed, watch them fall apart and die in public or have a safety net in place. There’s unexpected tragedies that happen also where social security can help a family get back on their feet also, it’s not all poor planning.

One of the biggest issues with the American voter is that their stated preferences and revealed preferences are so far apart.

4 hours ago, we_gotta_believe said:

The 401k match is literally free money and they're basically like, "Nah, I'm good, I'd rather the company keep that money that I worked so hard for. They need it more than me!"

Kids aren't taught how to live within their means so they end up living paycheck to paycheck. The extra 3% they get in pay ends up being their food budget because it's all they have left after their 8 year car loan payment for a car they couldn't afford and rent in SodoSopa.

4 minutes ago, Bill said:

One of the biggest issues with the American voter is that their stated preferences and revealed preferences are so far apart.

I'd say it's definitely a problem for half of us.

8 minutes ago, mayanh8 said:

Kids aren't taught how to live within their means so they end up living paycheck to paycheck. The extra 3% they get in pay ends up being their food budget because it's all they have left after their 8 year car loan payment for a car they couldn't afford and rent in SodoSopa.

I can't remember the last time I had an auto loan. Cash every single time. Having 4 figure monthly payments (not even including insurance) has become the norm and that's incredibly sad.

44 minutes ago, Paul852 said:

I can't remember the last time I had an auto loan. Cash every single time. Having 4 figure monthly payments (not even including insurance) has become the norm and that's incredibly sad.

You’re out of touch with us working class folks lol

4 hours ago, Arthur Jackson said:

Stop defending known slaveowners.

What's wrong with you?

Jefferson wasn't around in 1980. Only cocaine and decadence. 

1 hour ago, Paul852 said:

I can't remember the last time I had an auto loan. 

That's twice in two weeks. You can knock that right the F off now. 

5 hours ago, Paul852 said:

Good luck to those of you with kids in red states.........oh wait.

We all know you have a thing for David Hogg

5 hours ago, Dave Moss said:

Like anything else the benefit of a federal agency is having the power and finances of the federal government.  But it also cost taxpayers a lot of money.  The main victims will be special needs kids like @Procus

How does it feel to be a loser?

6 hours ago, DBW said:

This is such a bad idea.  

Nah, there is no need for the federal government to insert itself into the education of kids.  Belongs with the states.

1 hour ago, Procus said:

Nah, there is no need for the federal government to insert itself into the education of kids.  Belongs with the states.

Seems like everything just belongs to the states these days. So in that case I don’t want Trump to be my president in my state. He can eat a bag of Ds and F off.  I’ll just pick a different president.  Oh you mean I can’t do that?   Whatever happened to being stronger as a union?  Why dissect it?  Oh right, to start a next generation civil war. The irony of the right wing nuts and red states wanting to keep their guns because they need to protect against a tyrannical government only to sit idly by and watch their tyrannical government literally tear the country apart and the constitution to shreds. If it wasn’t so poetic….. 😂 

remember to take the safety off. 

7 hours ago, lynched1 said:

That's twice in two weeks. You can knock that right the F off now. 

8 hours ago, Dave Moss said:

You’re out of touch with us working class folks lol

Not really. The problem is people either get bored or want to show off. You should only need to bite the bullet on an auto loan once in your life (and it should only be 5 years in length). A dependable car can last 10-15 years and in a lot of cases even more.

If you're actually disciplined and don't care what other people think you will likely have cash for a car when the time comes. The amount of times I hear about people rolling negative equity into ANOTHER car loan blows my mind.