this post was submitted on 07 Jan 2025
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Fuck, I feel this so much. Debt can be so fun to build up but good lord paying it off sucks lol
I wish debt was not allowed
Debt can have its benefits depending on the use case.
Expecting the average person to save up the full price of a house before buying it is simply an unattainable standard for most people to meet. The same can go for cars, too.
Sometimes, debt can just smooth out uneven pay periods. If you need to spend $200/mo, and in 2 months you get paid $150 and $250 respectively, you'll need $50 of debt in that first month to smooth out your varied income, before paying it back in the 2nd month.
It's primarily the predatory practices and systems (high interest, encouraging it where it's not needed, hidden junk fees, etc) that make debt so harmful, not the fundamental concept of debt itself.
And oh, just a random fun fact you might actually find quite interesting, did you know that debt existed before money did? It was actually the primary thing that allowed individuals to engage in trade, and money only came along later as a means of tracking debt.
Except that the access to debt is a major reason housing and college costs have skyrocketed.
That's true. I definitely agree that debt can be useful; I guess it's more the feelings stemming from debt that I wish didn't exist