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I used to judge people who couldnt make ends meet, Friedman shared.
Now I get it.
The math just doesnt math anymore.
Breaking Down a Brutal Budget
After taxes, Friedman brings home $4,200 monthly.
Heres where it goes:
Im in the red before I even think about a haircut, she explained.
Its like picking your poison.
Still, those minimum payments hurt.
My car died last month, she explained.
It went kaput and I literally cried.
The credit card was my only option.
What else could I do not show up for work!?
You learn which companies will work with you, she noted.
And which ones will destroy your credit score if youre a day late.
Friedmans emergency fund sits at $1,200 less than half the $2,447 average for others in her boat.
Im fully aware how close to the edge Im living, she said.
But I dont have a choice.
Another 44% point to simple lack of funds.
My generation is getting it from both ends, Friedman explained.
Like, fat chance.
Light at the End of the Tunnel?
Between her side gig selling vintage clothes online and ruthless budgeting, Friedman is determined to turn things around.
But she wants people to understand living paycheck to paycheck isnt always about bad decisions.
Whenrent and grocerieseat your whole check, she said, Theres nothing left to save.
Thats just basic math.
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