30:40it varies from 40-50% but sadly yes
30:40I got like $50 to spare and I put it in bonds
30:41Damn I'm doing great then
30:44Huh I have... A lot more than that.
30:47Yeah it's hard to save up in a lot of places these days.
30:55too real:_shiinaPain:
30:56Its always the rent TT
30:59yeah practically nobody does (let alone know where their 401k etc is going)
31:00after taking into consideration net after credit cards, I believe it
31:03Shiina, when we can see you doing shotgun cleaning?
31:05Rent, bills, food, shit adds up pretty quick
31:05And potential fuel rationing in the future.
31:0785% of my disposable income goes towards vtubers nowadays. It's getting dire
31:07I would say you need at least $6000 for a security fund
31:09I'm so glad I'm hybrid worker now
31:11You literally need 5 jobs just to keep the house payments up
31:14:_shiinaHeadpat::_shiinaHeadpat:
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31:25you keep adding more
31:25:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:27:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:27Most people have to spend every dollar they get on their paychecks just too survive. Can't afford to put back any money.
31:27:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:28:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:30:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:30I've been teached that if I'm to live pay check to pay check, some of the "spending" montly need to be a saving account so I can deal with repairing and replacing things that break...
31:30:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat:
31:31You kept knitting? :loudly_crying_face::loudly_crying_face:
31:32:_shiinaHeadpat::_shiinaHeadpat::_shiinaHeadpat: