this post was submitted on 25 Jul 2026
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The only reason I have a great credit score is because I opened a credit line at 18, and have a house, which I was only able up get because, when we got married, our parents and family helped raise 10k instead of having a large wedding. Add our 20k in savings that we were only able to get because we lived with my parents, and we were able to put a down payment on the house. Thanks to crazy house prices, we look well off. On paper.
We have less than 1k in savings, so any surprise bill or breakdown might have us having to take a loan. I've been learning how to fix and repair everything we own. Basically me, every time something breaks. I spent the last 6 months doing maintenance on our 2 vehicles. Transmission filters, brakes, radiator coolant, diff oil, etc. I realized I've become my grandpa who drove a 35 year old POS, but kept it running well.
I seriously don't know how us regular ppl are supposed to better our lives when everything is predatory and something as simple a credit score fucks you.