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Joined 2 months ago
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Cake day: March 10th, 2025

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  • That is a very complicated question, but it comes down to many factors. First is high inflation combined with stagnant wages, as wages have been basically stuck and barely increased in the last 30-40 years while inflation continued to increase, so that’s why most people make around $35,000 salary and spend most of that money on essentials. Minimum wage federally is $7.25/hour, which means 1 hour of work doesn’t even earn enough money to buy a meal at McDonalds anymore. This is why most people these days have 2 jobs.

    Then you also have landlords continually jacking up rent prices and working as literal cartels (several landlords were recently brought up on charges due to using apps to coordinate rent increases across entire cities and states so that all housing would increase in price at the same rate, ensuring no competitive pricing would occur) meaning rent continues to rise faster than inflation or wages.

    Alongside that is student loan debts, as companies more and more only hire people with degrees and colleges keep increasing tuition to pay for essential things like yatchs. Yes, yatchs, as the government does not cap the amount private colleges can charge the government or students for basically anything, so they will just put down anything they want as “General Overhead” charges. Again, multiple private universities have been recently in legal trouble for this, with basically no consequences. So, tuition goes up to pay for unneeded things purely due to the fact the government even provides student loans, and student loan debt basically doesn’t go away Ever because the government said, like 50 years ago, that they’d be the guarantor of all student loans, meaning colleges could go “Oh, great, so I make money regardless of whether a student can or can’t afford to be here, and whether or not said student graduates and can pay off the loan.” Then, once students started defaulting on loans they couldn’t pay off, government started changing the rules on the debt to ensure you can’t get rid of it.

    There is a whole lot more to get into with why Americans are so fucked economically, but I’m nowhere near qualified to explain everything.


  • I don’t know a single car available near me that isn’t a complete junker and is under $10,000. I also don’t know anyone with $5,000 on hand to drop on Anything. I barely even know anyone with $1,000 to drop on anything. Americans don’t have money for anything, we are buying Groceries using loans at this point. That is not a joke, people are buying essential groceries using Pay Later Loans.



  • DeusUmbra@lemmy.worldtomemes@lemmy.worldI mean... COME ON MAN
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    5 days ago

    I mean, depending on how much the value of the car has changed, you might get lucky. My last car got totaled by severe hail, I’d only paid maybe 30% of it off by that point, but it turned out the value of my vehicle went mostly unchanged, possibly even raised slightly, and insurance paid out the full value of the car. I actually came out ahead a couple thousand dollars, which I was able to then use for a down payment on my current car.



  • He still hasn’t gotten over being kicked from the group because he made the other players uncomfortable, one of whom still works with him, and he blames me because I wasn’t willing to kick the rest of the group instead. (Yes, he actually suggested kicking every other player and just finding new ones who would, and I quote, “agree with me more”)



  • Simple, by bearing witness to multiple terrible DMs that have been in my group, while also seeing people actively enjoy when I DM after I started a campaign on a whim after a DM quit our group. I just went “Well, I can’t be worse then That guy right?” and ran with it, jumping into a homebrew campaign with a homebrew world, both of which had 0 planning and about an hours worth of thought put into it in advance. Even the map was something made in MS paint about 10 minutes before the session. Everyone had a blast and I have been Forever DM ever since, even though I still barely know what I am doing.


  • I hate feeling like this. A: I feel like a massive dick with a huge ego problem when I think about how I am the best DM in the group. B: It makes me feel like I am a poor player because I should be trying harder when someone else DMs. C: I know I’m not even that good of a DM, so thinking this makes me feel like I am insulting the others in my group.


  • DeusUmbra@lemmy.worldtoRPGMemes @ttrpg.networkTrue alignment
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    10 days ago

    I know a guy who is the opposite of this in a way. I, as a joke, decided to remind him that he owed me $7 for pizza that he never paid me for back when he was part of one of my DnD groups. He got mad, insisted that he already paid it, and then blocked me and started telling coworkers that I was trying to steal from him. (We used to work together, no one believes him but he keeps trying to tell people that, but only to people who knew me for some reason which is how I know.)


  • Go for it. For more info: He was fairly young, considered wise and intelligent, and beloved by his people. He spoke softly and struggled to stand on his own, and died sacrificing himself for his people. When he was told that his advisor had been shown the future, where the king dies because he stood against the forces of a dark god, he was fine with that future because to him it was better to die standing for others than to live cowering on his throne.



  • Oh, I am sure someone will try to replace me at some point with an AI (just not where I currently work, they are extremely suspicious of AI, even blocking websites that use AI just in case) and I am sure it will go poorly. Sucks that is already happening where you work, but on the semi-bright side, doubt that company will survive doing this.


  • I genuinely wonder if at some point someone is going to try to replace my job with AI. I’d be surprised if it worked, but not surprised if anyone is dumb enough to try, considering I do IT work, physically onsite too, so I don’t just reset passwords over the phone or anything, I go to desks and setup equipment, repair hardware, troubleshoot software, the whole nine yards.