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ITT: tell me stories of UMC bondage
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Date: March 14th, 2026 9:22 PM Author: Buy your next house instantly with Zellow! Insane mortgages, out of control debts, horrible jobs.
My sense is that most "respectable" Millennials with jobs as professionals or executives are maintaining their lifestyles through exorbitant debts. |
Date: March 14th, 2026 9:27 PM Author: Richard Ames I think a lot of UMC people tell themselves "it's ok to live paycheck to paycheck, I contribute to my 401k" and some such shit. At a certain point, they take a sort of "in for a penny, in for a pound" approach to spending. They have the $7k a month mortgage...why not splurge for the X7 M50i. What's another $1,800 a month? I might one day have kids that I need to bring to baseball practice.
Add in the fact that they tell themselves "everyone's doing it, I deserve to do this, I work hard" and you end up with people who are treading water financially. |
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Date: March 14th, 2026 10:07 PM Author: Josh_Allen Yep. And they seem to think that income only ever goes up. No move in-house; no GFC/ITE/Covid/AI layoffs could hit them or spouse; no chance someone might want to stay home with kids or at least downshift; no chance they’ll have to support parents or deadbeat sibling in some form; no shift to non-peer firm or dip when they make “partner”; etc. It makes me lol when I see first-/second-year associates (particularly those married to/living with another first year associate or highly-paid young professional) with way nicer clothes, cars, vacations, watch, hair, etc. than I have - they think they make a lot, and forget that most of them maybe make it 3 years. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744432) |
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Date: March 14th, 2026 10:18 PM Author: Richard Ames Yes 100%. People seem to think they'll never tire of the grind, either. And only a small subset of people really figure out how to make money without grinding.
People shit on Dave Ramsey here, but a lot of UMC people think they're above his advice when they really aren't at all. |
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Date: March 14th, 2026 11:55 PM Author: Kenneth Play (emotional girth) (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744643) |
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Date: March 15th, 2026 1:09 AM Author: Metal Up Your Ass way nicer clothes . . . hair, etc. than I have - (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744707) |
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Date: March 15th, 2026 4:12 AM Author: Josh_Allen I’m largely (but not exclusively) speaking about women. I heard some of our juniors talking about their $500 balayage haircuts that apparently take 3-4 hours. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744797) |
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Date: March 14th, 2026 9:28 PM Author: norwood ultra i'm going to kill myself to escape the grind (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744350) |
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Date: March 14th, 2026 9:29 PM Author: Buy your next house instantly with Zellow! Don't do that bro. Move to Are Country Nd open a solo practice. Make 200k with basically 0 cost of living. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744352) |
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Date: March 14th, 2026 11:16 PM Author: Nazca Redlines (Guy who knows what time Krispy Kreme puts the day's unsold donuts in the dumpster) (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744591) |
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Date: March 14th, 2026 11:18 PM Author: norwood ultra it's too late for me (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744594) |
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Date: March 14th, 2026 9:29 PM Author: Quality adjusted life year Summon: disco tits (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744351) |
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Date: March 14th, 2026 10:10 PM Author: Gay Grandpa 4100/month in child support. Just lost my main source of income. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744440) |
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Date: March 14th, 2026 10:22 PM Author: Pope Leo XXX holy shit. how many kids/how much did you make? can you get a modification since you got laid off or are the nightmare stories about child support true (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744466) |
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Date: March 14th, 2026 11:07 PM Author: Buy your next house instantly with Zellow! People on XO fuck themselves in so many different ways. If he lived in Are Country the local Wilford Brimley lookalike judge that he knew from the Rotary Club would do something reasonable. But instead he probably lives in a blue shithole where Judge Shaniqua will be like Aw Hellll naw! (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744558) |
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Date: March 14th, 2026 10:25 PM Author: Consuela shit (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744470) |
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Date: March 14th, 2026 11:18 PM Author: Nazca Redlines That's rough. What happened? (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744595) |
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Date: March 14th, 2026 11:11 PM Author: Buy your next house instantly with Zellow! So what happens to these people? Does the day of judgement ever come where they just run out of money? They have an incredible knack for getting by. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744569) |
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Date: March 14th, 2026 11:34 PM Author: Nazca Redlines 1. One of my friends went to law school after several years in the workforce, paying full freight at a good school. He went to a top, prestigious firm. Even as a mid level associate, he said his rent + childcare costs + loan payments + other expenses exceeded his income. His wife was a sahm, studying to change career directions. I don't know how he did it, other than more debt or catching up via his bonus each year. He lived pretty modestly as far as i could tell. And he really did not like biglol and would get stuck on deals he hated.
2. One of my friends grew up MC and has a chill job. His wife grew up rich. Her parents have at least 4 houses/condos around the country in expensive locations. They (friend and wife) remodeled their house when they moved in 7 years ago. They're re modeling it again now because wife didn't love the first remodel. She's also talking about moving. I don't know how they do it.
3. Friend escaped big law. His wife told him to get back in. He's gaining weight and hates it. They just went to Disney World, an expensive trip to begin with. Rather than getting $40/person/day cut the line passes, they got premium $350/person/day cut he line passes because his sahm wife wanted them. That was like $7k just on the cut the line passes. On another recent vacation, he said he worked sun up to sun down every day.
4. One from me. Wife and I are thinking of remodeling a bathroom. We had one contractor over for an estimate. We told them what we wanted. Asked how much it would be. They said "what's your budget?" I said lol. |
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Date: March 14th, 2026 11:43 PM Author: norwood ultra there's no escaping big law. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744629) |
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Date: March 15th, 2026 12:05 AM Author: Nazca Redlines I'm genuinely worried about the guy in 3 above. It's really crushing him. And his wife is talking about private school for their 3 young kids despite living in one of the best public school districts in the country. He's a really nice and thoughtful guy.
Also he has no book and is going to keep getting no breakfast. |
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Date: March 15th, 2026 12:35 AM Author: Buy your next house instantly with Zellow! On a human level, I wish 3 the best. He sounds like a victim of circumstance. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744682) |
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Date: March 15th, 2026 12:53 AM Author: zarathustra feel bad for 3 but he's a victim of himself, not circumstance. wife guy who married a chick because she made him feel good and he assumed the best about her character, turns out she's a pig and he has no resolve to be steadfast before a woman. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744701) |
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Date: March 15th, 2026 1:43 AM Author: Die Hard 2: Die Harder I know several couples who kept having boys while trying to have a baby girl. This nonsense just absolutely kills them. Now one couple has three kids (girl never arrived) and the other couple has four (sorry middle child boys) in the pursuit of "balance". And they can't afford vacations except to visit grandma in a neighboring state. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744723) |
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Date: March 15th, 2026 1:58 AM Author: Buy your next house instantly with Zellow! Being blessed with four manly sons is not a bad thing. (http://www.autoadmit.com/thread.php?thread_id=5845722&forum_id=2.#49744729) |