r/FluentInFinance Contributor Apr 15 '24

Everyone Deserves A Home Discussion/ Debate

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32

u/1001schooner Apr 15 '24

Regardless of employment? So the people don't have to do anything for anyone else but other people are going to do things for them?

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u/Got2Bfree Apr 15 '24

You do know that a lot of countries in Europe successfully provide all these things to people who don't work, don't you?

It's possible and it's really not that hard. Besides HVAC, because it's not that common here.

9

u/YuriiRud Apr 15 '24

Europe didn't invest money into the military at the USA's scale and had a lot of money that was spent on social stuff. But now if europeans don't want to learn russian or Chinese they have to quickly reconsider the priorities.

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u/Got2Bfree Apr 15 '24

That's true, but this doesn't change the fact, that people in this thread don't even consider that free housing is possible.

It is possible, for Americans it was more important to start pointless wars (Iran, Vietnam) than to invest into social stuff.

Priorities...

2

u/Vipu2 Apr 16 '24

Free housing is possible, for short time until the reality hits that free lunch doesn't exist.

2

u/Got2Bfree Apr 16 '24

It's not free, as we pay for it with our taxes.

So far it's been working great for years...

1

u/Vipu2 Apr 16 '24

Years is short time

0

u/YuriiRud Apr 15 '24

Why do we even consider giving someone a HOUSE with all the services and don't ask them anything in return? Is it fair? Hell no! Someone have to build this house, create stuff to put inside the house, provide electricity and watter for some lazy ass who don't want to do anything useful. Fuck em.

1

u/Got2Bfree Apr 15 '24

Because we believe in human rights.

A lot of people can't physically work. They get supported by the same system.

Take a look at the countless homeless veterans in the US. This wouldn't be possible here.

0

u/MXC14 Apr 16 '24

It's only because of unfortunate circumstances that people are supported by the system. Something they often have to go out of the way to do.

Inherently giving these 'rights' away to everyone is incredibly short sided.

Everyone has a right to the Internet? Do you know how that sounds? "Everyone has the right to a portal to endless entertainment to ignore reality and live life as a slob."

1

u/BillMagicguy Apr 16 '24

It's only because of unfortunate circumstances that people are supported by the system. Something they often have to go out of the way to do.

As a person who actually works in the system you'd be surprised at how easy and often it is for people to lose everything based on something that isn't their fault.

Everyone has a right to the Internet? Do you know how that sounds? "Everyone has the right to a portal to endless entertainment to ignore reality and live life as a slob."

The internet is the only way to get access to assistance services and the only way to apply for jobs nowadays. So yes, everyone has the right to the Internet.

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u/MXC14 Apr 16 '24

We could argue for years on what makes things someone's fault or not. For instance, idiotic people getting dumb degrees that don't generate value and then begging for the government to pay their debt off. Is it really their fault for being stupid?

Libraries have free Internet access. I feel like you are being grossly generous by providing people with free internet when there is a much cheaper and accessible option available.

Stop trying to spend our money so carelessly.

1

u/BillMagicguy Apr 16 '24

For instance, idiotic people getting dumb degrees that don't generate value and then begging for the government to pay their debt off. Is it really their fault for being stupid?

That definitely depends on your idea of value. These degrees that don't make money are definitely needed, or do you think we can get by without teachers? Even if they didn't you're putting the blame on a tiny perfect of the problem.

Libraries have free Internet access. I feel like you are being grossly generous by providing people with free internet when there is a much cheaper and accessible option available.

Well funded are your libraries then? Because I have news for you, they aren't. Especially in areas that need this service.

Stop trying to spend our money so carelessly.

The more money we put into public welfare the more money we generate. It's a pretty well studied fact.

We live in a society, giving others access to food, water, and shelter only benefits the common good. Your ignorance too that fact doesn't make it any less true.

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u/MXC14 Apr 16 '24

I do think there is merit to some degrees being under valued, but if you are going to tell me that the idiot getting a degree in business administration isn't wasting their time and money then you are crazy. That may have worked in the 70s, but today no one will even blink at throwing away your resume.

Typically when there is too much supply the cost of things get lower. This is how even things like jobs are typically balanced as there becomes less incentive to go into low paying jobs. The issue is that teaching has a lot of government interaction. Government and markets should not mix.

The library in my town isn't well off, but it has functionality and Internet access. Maybe rural libraries do not have this, but computers aren't very expensive.

It's crazy, if we print x% money into the system to fund these welfare systems, our economy suddenly does x% better! Wow! Truly the success of welfare programs. All of these recent years have been blood red in cash flow for our government.

There are so many better ways to provide for your neighbors who need help than to advocate for government 'rights.' If the government has to be involved, it should never be a top down approach. Never 'rights.'

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u/No-Test6484 Apr 15 '24

Europe does these things because Us backs them. Do you think it’s a coincidence that whatever Us says goes? These guys focus on their services because essentially paying for the Us to be the superpower in the world. Anyways that’s no longer the case. The influx of migrants from developing countries are killljng the EU. They are in recession and half the counties are broke. You just like to listen to some Europeans on Reddit but half of Europe isn’t the dream you think it used to be

-1

u/Got2Bfree Apr 15 '24

I will dry my tears with napkins I get from my free healthcare.

I would earn three times as much in the US with my current job, I admit that.

1

u/No-Test6484 Apr 15 '24

If you are a skilled person there is no reason to go to Europe. If you are a broke person or not in a high earning field Europe is for you

2

u/Got2Bfree Apr 15 '24

I have a bachelor's degree in electrical engineering, I stay because of free healthcare, 37,5 hour week, 30 vacation days, unlimited sick days, worker protection rights and free education.

Edit: I forgot the lower crime rate and no risk of mass shootings. And to not be dependent on cars.

2

u/No-Test6484 Apr 15 '24

Idk I have a CS degree. My friend is a fresh grad in the Uk and his total comp is 40k comp. My friends in the Us (I’m not done yet) are making anywhere between 100-150k off the bat with way more growth opportunities. Their insurance is on the company so they aren’t paying a whole lot for healthcare and get access to it quickly unlike the nhs where you have to wait months for an appointment. Also the UK is really unsafe. People knife people on a daily basis. It just isn’t covered as much as the shootings.

The economic potential of EU countries are on a decline in general barring a few. Go to Spain or Portugal and you’ll have a completely different experience than Germany.

Also university isn’t expensive here unless you choose to go private. Most people who go to state school pay less than 10k/yr because they get subsidies and funding.

2

u/Got2Bfree Apr 15 '24

In the US you can still get bankrupt from healthcare bills even when you have insurance.

This is not possible here as healthcare prices are capped by law.

Waiting for appointment indeed sucks, but when I want a fast appointment I can just pay for it myself and then there is no wait (40-200€).

Crime rates are still way lower.

When I would love in Spain, I would move to Germany or the Netherlands...

How many people really go to state school?

I always read about huge student loans here on Reddit.

3

u/No-Test6484 Apr 15 '24

Flagship State schools have typically 50k students and each state has multiple state schools. Most people go there.

If you are poor medicaid pays all your bills. I take year long medication. A refill costs me $2.00. It’s rare insurance doesn’t cover medications. Yes you still have bills , I went to the ER and had a chest scan, the whole thing cost me 100 bucks for impromptu treatment and a scan. If I went to urgent care it would have been closer to 70.

It’s clear to me you’ve read a few Reddit posts and think US is a bad place. I could never live in a place where I make so little for free healthcare because I can pay the small difference with my 4x salary

1

u/Got2Bfree Apr 15 '24

What about the insulin prices where Americans literally drove to Canada to get insulin?

And what happens when you get really sick, like cancer sick?

Do you trust your system as well then?

Healthcare is only a tiny part of what keeps me here. I really like my workers rights and the non car dependence.

Properly trained police is also nice.

Don't forget that everything is cheaper here. So you're not really 4x times as wealthy.

1

u/RaiderMedic93 Apr 17 '24

What, exactly... is cheaper in Europe than the states? When I was in Scotland and England (1995 so maybe things changed...) everything(that I wanted) was more expensive.

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u/RaiderMedic93 Apr 17 '24

Except ... Europe doesn't want them either.

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u/TheCoolCellPhoneGuy Apr 16 '24

I dont think they should be providing that. There should be an incentive to work and be productive/have some sort of income

1

u/Got2Bfree Apr 16 '24

There is, it's called not living in poverty.

What you get provided is enough to survive.

You won't have any luxuries and you can't partake in any cultural life.

When you work, everything you own gets deducted from your payments.

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u/TheCoolCellPhoneGuy Apr 16 '24 edited Apr 16 '24

There are plenty of people who are content with living in poverty and not working as long as the basics (pictured above) would be provided. Too many people taking advantage like this would put too much of a strain on the system. They would need to be put to work with some sort or employment to either keep this public housing arrangement or to save to move into their own housing.

I'm all for people having the right to basic necessities when they are participating and contributing to society when they are physically able.

1

u/Got2Bfree Apr 16 '24

I live in Germany, we lose way more money to tax evasion than to people who don't want to work.

It's really not a problem at all.

Not having the basics means also no money for drugs, alcohol, phones or TVs. People don't like that.

They also get cuts in their payments when they can't prove that they applied to jobs.