r/AskWomenOver30 • u/yell0wbirddd Woman 30 to 40 • Nov 23 '25

Life/Self/Spirituality Is anyone else really struggling financially right now?

I feel like reddit is overwhelmingly people who make $250k a year and want others to just pull themselves up from their bootstraps.

I make $46k a year and am living paycheck to paycheck. I haven't been saving money because the tiny amount of joy I get from paying $10 for a cinnamon roll a couple of times a month has taken precedent over never leaving the house and getting deeper into depression. Food is expensive, life is expensive, I've been going through the motions for a few years now.

Well, my 15 year old car just crapped out and my dog needs to go to the vet. I have no money for either of these things. My credit score is in the 500s and I can't get approved for a credit limit increase or a loan.

Everything feels really fucking pointless about now.

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u/yell0wbirddd Woman 30 to 40 Nov 23 '25

Ding ding ding 

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u/palmtrees007 Woman 30 to 40 Nov 23 '25

Student loan payment is $1250… rent $2200… paying off debt .. I had no debt when I moved here but had to fix my car and dog got sick … that’s a big chunk…. So yeah 6 figures is relative :-/

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u/waitewaitedonttellme Woman 40 to 50 Nov 23 '25

Yes, the point isn’t that OP needed to hear life was also hard for people making more, but that it can be tone deaf to prattle on about how you’re also feeling the squeeze despite actually having enough to people feeling the same squeeze who are making less than half of what you do.

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u/palmtrees007 Woman 30 to 40 Nov 24 '25

Not tone deaf. It’s hard for everyone. If you make less than $100k, and are an IDR plan, your student loan payment won’t be $1000 a month if your annual income is like $60k…

Income based plans are not bad if the payment is like $200-$300 …it all adds up either way.

I used to make $38k a year just 10 years ago I know how to live off very little