I'm not rich. I make about 150 right now, which around here isn't much. I am just informing you cowed bougie woosies that your "oh noes my credit report" panics are not grounded in reality. If you pay your legit bills on time and make a solid living, credit is not a valid concern when someone is trying to fuck you. In cities like Philadelphia and Baltimore most of the households are chronically arrears on utilities. Guess what, they all have cell phones and DirectTV and cheap mortgages, and their utilities are never cut off. Mortgage originators are desperate for truly credit worthy customers.
Some dings from the racketeers might be a problem if you want to rent a $4K apartment on a $90K income, but even then I doubt it.
I almost get the sense that upper middle class nerds have no idea how most of society actually operates and how strong a position solid income puts you in.
> I almost get the sense that upper middle class nerds have no idea how most of society actually operates.... <
Oh, the irony. Unless, of course, you meant to lump yourself in with the "clueless" upper middle class. $150k/yr is actually beyond middle class. That's affluent, at minimum. It's not "rich" in the sense that the average person earning that income could just stop working whenever he wanted, but for a single person that's top 5% territory, and for a family it's top 10%.
For what it's worth, my household income, including passive income from rental property, is north of $200k. I know very well what having a high income affords. I've also been on the other end of the spectrum, near homeless when my impoverished single mother was raising me and my brother. I'll be blunt: you're the clueless one here. You have no idea what you're talking about, and your comments make you seem out of touch and, frankly, a bit gormless.
> I almost get the sense that upper middle class nerds have no idea how most of society actually operates and how strong a position solid income puts you in.
Much truth to this. Also much truth that pointing out to HN that most of them have no idea how the world really works is rarely useful.
Some dings from the racketeers might be a problem if you want to rent a $4K apartment on a $90K income, but even then I doubt it.
I almost get the sense that upper middle class nerds have no idea how most of society actually operates and how strong a position solid income puts you in.