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How to live on $432 a month in America

shagbark.substack.com

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Re: How to live on $432 a month in America

#521

Earlier quoted context omitted.

Rural living also looks cheaper because most people do not even remotely consider the costs of transportation. The IRS estimates per-mile deduction at well over 60 cents per mile. If you have to drive 15 miles to the grocery store and back, your grocery bill goes up $18/trip. If you need to drive 15 miles to work and back, take $90/week out of your paycheck. Then there's the fact that whoever is The Employer in that…

Wait wait, how much does fuel cost that a 50km trip is $18? Even my diesel car does that for 4 €.

The IRS reimbursement rate includes maintenance and depreciation along with fuel and insurance costs. I get back around $500 a month at $0.75 a mile for expensing my work-related mileage.

Re: How to live on $432 a month in America

#522
post #453

Earlier quoted context omitted.

also, if you have a social "thing" like tennis or climbing or drugs or whatever thing you like that tends to have an active and welcoming social community that you're willing to engage with, then the social issue can be dampened somewhat

> if you have a social "thing" like tennis or climbing Then you wouldn't be able to cut down expenses to "nothing"/month. Social thing assumes expenses. Hobbies assume expenses.

Just find npc sims friends who like to walk on sidewalks and turn around when they experience interactions with animals.

Re: How to live on $432 a month in America

#523
I sold a small import export business I stood up during Covid and after living in NYC for 13 years, decided to get a “fancy instagram bus” after a voice in my head told me to do so.

The next day a friend called, who I hadn’t seen since we got shipwrecked in the gulf of Panama, and told me he had been building out a “fancy instagram School bus” for the last year and between his wife and his pot farm in CA he realized he’d have no time for it.

“I figure you were the guy to buy it from me.”

I said yes and bought a 1 way ticket to Santa Cruz.

I sublet my place in park slope for $3,600 a month furnished which was $1k more a month than the base rent.

I thought I’d spend a few months driving around, go on Phish Tour, and flip the bus for $50k.

That was about 4 years ago.

The bus cost me $36k and within 10 months paid for itself.

I let the place in nyc go entirely after that and for one months rent could drive back and forth across the US.

A $89 parks pass gets me into all the national parks and I can stay on BLM land in the most beautiful places for free.

I soon realized many people have at least 1 home and love having a self contained guest for a week or two. I visited friends, family and clients (I still maintain a high end high performance coaching business working with founders of companies like Asana, Bombas and other interesting folks).

I also run a remote AI research lab for the last 4 years.

I shop at farmers markets or wholefoods.

I love ultimate frisbee and am pretty good, having been a former world games invitee, and any city usually has a game and within an afternoon I can make a dozen or so new friends and be invited to all sorts of things. (pickupultimate.com).

Last year on the eclipse I met a woman in hot springs, Arkansas and fell in love - and she lives in Kansas City so I’ve spent a lot of time here with her the last year.

The creative freedom of having a bus and living in beautiful spaces is unmatched. And knowing if I lose all money, I can buy a 50lb bag of rice and beans, fill up on water, and use my cell phone and solar for a month to figure out the next move, is very comforting.

Of course there have been problems like breakdowns, a friend filling my diesel tank with reg gas, a break in in nyc, and getting hassled for parking legally by house dwellers in Santa Monica, but it’s been a great investment.

So much of “middle class lifestyle” is a trap marketed to you people by the upper classes to get you to opt in to being a modern day share cropper. Taking a couple vacations a year, retiring out of shape and unable to really enjoy life and nature, and coping with pills and drugs and tv and consumption that are primarily part of the problem.

Ps we host an ai / philosophy / founder meetup every Wednesday, come as my vip! Http://earthpilot.ai/play

Re: How to live on $432 a month in America

#524
living outside of society is not viable. but its true that the economic system that we all live inside of is not serving us well because of corruption. everything is much more expensive than it should be. i think the best solution is for people to make their own little societies, bring back towns, and instead of a walmart and box stores put people to work growing food and making things. its the only way to live affordably without moving to another country.

Re: How to live on $432 a month in America

#525
I've spent time in upstate New York, and the communities I visited were not welcoming to newcomers. I had a few beers in a bar in Tupper Lake and I may as well have been a green alien. Unless you're religious and can lean on a church community, this life seems absolutely lonely.

Re: How to live on $432 a month in America

#526

Earlier quoted context omitted.

>There's a perception that young people (for probably 60 years now) see "getting out of this town" as a major life goal. It sort of is. Opportunities in the small towns is limited compared to urban areas. As well as other social aspects like night life, entertainment, the culture of the residents, etc. The people argument of being irreplaceable works both ways; you're simply going to get more options when you're arou…

Does anyone actually like nightlife though? Same for local entertainments, sure they're a nice extra sometimes but nothing worth sacrificing for. It's all some variation of "crowded into a dark room with hundreds of strangers with deafening music, can't see anything, can't hear anything".

"nobody wants to go there anymore, it's too crowded"

Re: How to live on $432 a month in America

#527
post #270

I've commented (probably too much) to argue with the harshest critics of this piece, but I am surprised to not have seen much this criticism which is my main one: Supposing I've made peace with the main gist of this: Cut living expenses to a point where you can work ¼ or so of the time most of us spend working by living somewhere cheap and not being so materialistic. The missing piece here is social connections. Fami…

Professionals move from city to city all the time due to jobs. In the modern world it's easier to keep in touch with family and friends with Internet and cheap (by historical standards) flights.

A small set of professionals do, yes. A lot more stay near family and friends instead.

Re: How to live on $432 a month in America

#528

Like other people here, I have my quibbles with the exact math. But the general premise is true: yes, you can live in rural poverty for cheap. The problem is the vibes. A hundred years ago, you would have a community, a place in society, and all of your family and friends nearby. In 2025, the only actual local job the author of the piece can come up with is at a gas station. Top ten occupations, 1920: Farmers, farm l…

Not saying I agree with the premise of the article at all but making life decisions based on how much others will respect it is a terrible way to live

We're wired to yield to social pressures, it is what allowed us to create civilization. You're right, the energy spent to overcome it is well spent, but its not as trivial as you make it sound to be low-status and feel fulfilled.

Re: How to live on $432 a month in America

#529
post #453

Earlier quoted context omitted.

also, if you have a social "thing" like tennis or climbing or drugs or whatever thing you like that tends to have an active and welcoming social community that you're willing to engage with, then the social issue can be dampened somewhat

> if you have a social "thing" like tennis or climbing Then you wouldn't be able to cut down expenses to "nothing"/month. Social thing assumes expenses. Hobbies assume expenses.

A tennis racket is $13 at Goodwill and tennis balls are $1.30/ea. In the case of living in Massena, NY like the author you can play at Alcoa Park for $0.00.

As for climbing, you don't need a $200 climbing harness you can tie your own Swiss seat out of rope ($2/ft.) and buy a couple of snap links ($4-10/ea.). I would buy a lower-end harness for $30 though.

Spread out over several seasons that is as close to "nothing" as you can get, and is well within reach of any person with a pulse.

35 years ago I played DnD with a single AD&D 2e player's handbook and DM's guide shared among us all, campaigns and items out of Dungeon Magazine and Dragon Magazine hand-copied from issues at the library, and a player miniature made out of a film roll canister that I used whiteout to paint a design on. Our greatest individual expense was dice and I think those were less than $10 for a set.

Hobbies are only expensive if you let them or want them to be.

Re: How to live on $432 a month in America

#530
post #270

I've commented (probably too much) to argue with the harshest critics of this piece, but I am surprised to not have seen much this criticism which is my main one: Supposing I've made peace with the main gist of this: Cut living expenses to a point where you can work ¼ or so of the time most of us spend working by living somewhere cheap and not being so materialistic. The missing piece here is social connections. Fami…

Rural living also looks cheaper because most people do not even remotely consider the costs of transportation. The IRS estimates per-mile deduction at well over 60 cents per mile. If you have to drive 15 miles to the grocery store and back, your grocery bill goes up $18/trip. If you need to drive 15 miles to work and back, take $90/week out of your paycheck. Then there's the fact that whoever is The Employer in that…

> Oh, and also not factored in: almost every aspect of rural life is heavily subsidized, and I don't just mean direct assistance.

Couldn't you say the same for cities since they live on food produced outside of cities, energy from the Gulf and products imported from China?

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