subreddit background

/r/povertyfinance is a subreddit for users who are struggling to make ends meet to vent, ask for advice, or share small victories in their life. Sometimes threads turn toxic very quickly, as the community also seems to be very judgemental.

OP’s poverty post

OP shares that they’re planning on filing for bankruptcy:

> Filing for bankruptcy after I pay off these federal student loans. > > Just over $700 bucks left. Unfortunately, I've been unemployed for 7 months now and can't even get a minimum wage job. Savings are gone, cashed out my Roth IRA, and my credit card debt has ballooned to the point where I can't pay the minimum. Chapter 7 is my best bet if I want to keep home. Mortgage is only $385.00 with $57k balance. I feel such a fucking failure in life at 48. Was making $39.60 an hour to nothing. I've been applying to anyplace where my skills are transferable. Fuck this economy!!

the downvote comment war

Telling OP to keep their head up:

> Not a failure. Life happens. One year from now you’ll be in a much better place.

> or, you know.... not [massively downvoted]

> Not helpful.

> it's not helpful to write "you'll be in a much better place" either. You gotta be realistic. Okay, he lost his job? That sucks, but still, gotta keep applying. The debts are eating himWell, he already mentioned - he's filing for bankruptcy. That's a step forward. Mortgage is only $385.00/month? That's actually pretty amazing - he has a roof over his head. > > Reminding him that job market sucks right now and it's totally understandable that he can't find a job and nobody blames him for it is much more helpful in my own. Maybe, ask him what his skills are, coming up with more ideas where he can apply them.., > > Just writing "you'll be in a much better place" is just a useless dreamy thinking that doesn't help. [downvoted again]

> It’s called positivity and trying to lift people up. You should try it sometime, dickhead.

> it's useless... It doesn't provide anything meaningful to the conversation [downvoted]

> Are you a sociopath? Have you never been kind to anyone? Of course it adds to the conversation..

> That's the thing... I don't find it "being kind" towards him. It's actually cruel in my eyes... It's basically saying "your current problems exist, in the future you will be much better"... There's like a missing piece here somewhere, don't you think? Instead, it's better to say ""you current problems exist, and it's hard, but working, making plans, actions, and in the future you will be much better"... > > Honestly, right now we are just meaninglessly babbling. I believe I already gave my point of view, no need in continuing this conversation.

> These people are talking out of their ass on some privileged bullshit, and somehow think they're "kind" while being completely patronizing and dismissive towards OP. They don't give a shit what OP is actually going through and how to actually be helpful, instead thinking saying some generic feel-good bullshit makes them good people. lt's like telling a homeless person "don't worry! It's not so bad, in a year you'll be fine and no longer homeless"

OP is a piece of shit:

> Why are you people encouraging this piece of shit? > > Not working for 7 months to rack up credit card debt to then try and declare bankruptcy is literally credit card fraud > > This guy should be going to jail. > > 🤦🏼‍♂️🤦🏼‍♂️ [downvoted to hell]

> What do you think bankruptcy is for exactly?

> Not for racking up credit card debt while you don't work [massively downvoted]

> is that "work" in the same country with us right now?

> My local supermarket is always hiring cart pushers. > > If you don't work for 7 months to just declare bankruptcy you are literally committing credit card fraud. > > You are a stealing piece of shit and you should go to jail. > > But you're all probably Democrat criminals stealing welfare or whatever you're doing🙄🙄 [downvoted]

> Ah yes, the local super market with 200 cart pushers working the lot. Lmao

> Do you hear yourself? > > Do you honestly think that's true? > > There are help wanted signs at every single store I go to > > Target, Kroger, fast food, gyms, car dealerships. > > EVERYONE is hiring and this piece of shit sits for 7 months? > > You're lazy losers. It's that simple

> Weird, the most recent job report clearly showed job growth is being driven by healthcare while everything else is stagnant, but let’s go with “what I see.” > > So just answer the question that you’ve been dodging, what do you bankruptcy is for then?

Arguing back to the downvoted user:

> What do you want them to do, fucking starve?

> Don't live on credit cards and the just expect to get bailed on by bankruptcy?? > > Are you fucking insane? [downvoted]

> I'm going to restate the question, if they need money to get food, and have been unable to get a job despite applying, what the fuck do you want them to do, STARVE!?

> Your point is invalid. The only reason people are "unable" to get a job is because they are too fucking picky with the jobs that are offered. You can't just apply and expect $500,000 a year. You must start somewhere small and grow. It's been like that for thousands of years. Stop being unrealistic. If he wanted to get a job he would have 7 months ago. He's lazy. End of story. [downvoted]

> Oh man, it must be so nice to completely ignore OPs post to make your own invalid argument not based in reality.

> Must be nice supporting a struggling persons delusions instead of helping them. Congrats! You're apart of their misery! If you or they can't handle hard truths, you both need counseling. [more downvotes]

> I love that your terrible solution to valid concerns is "you need counseling." Should they charge that to their card too? What a pathetic thing to say.

> Might as well! They've been charging everything else to their card with no job for 7 months!

Singular takes

> Lmao hes doing it and is getting away with it (since its perfectly legal). Theres nothing you can do about it LOL. Personally I wish he can rack it up even more before declaring. Work smart not hard ;)

> Sorry I think you dropped this. 🧠

> Oh hey fellow time traveler, thanks for writing us from 1979. Here is 2026 and unfortunately the future ahead of you isn't bright. See, in our present you can have a job and still be in poverty. It's just how modern capitalism works, but you wouldn't understand.

> Can you quote OP to where he intentionally racked up debt? Let’s also ignore the fact that OP implied they have been looking for jobs while liquidating any cash even at the expense of tax penalties. One of the many Reddit retards I see.

> So is it better to tell the person he's a piece of shit of a failure and life won't get better and it's better to just end it?

Full thread with more hot bankruptcy takes here

Reminder not to comment in the OP!

Subreddit background

/r/povertyfinance is a subreddit for those who are living paycheck to paycheck, however, the true definition of the sub is ambiguous, because anytime someone makes a celebratory post, there are loads of negative comments in the thread.

OP’s happy post

OP posts to the subreddit after saving enough for an entire year’s of rent:

> It may not be much but I finally finally made it to having enough rent payments saved for an entire year > > After going without meals in order to save, I finally have an emergency fund that could last up to one year of my rent payment. It took so long to get here but I feel so proud and happy with myself.

The crab comments

Cheering with OP:

> Not much? Bud that's amazing!!

> So, not poverty at all really. [downvoted]

> OP: I mean… I live paycheck to paycheck and skip meals to get to this point. But I am very fortunate to be here.

> Yes, but you have a part of that paycheck that CAN go to savings. That's a choice you are able to make, even skipping meals. That is not a choice in other people's situations. The fact that you even have employment that gives you that choice is a luxury. All power to you but a year's worth of rent and having discussions about investing is nowhere near my definition of poverty. [more downvotes]

> define poverty pls

> People skipping meals, and using their bank overdraft, and having at best a part time job, and not enough money in a monthly cycle to even come close to having the ability to save upwards of 12-15k. As in the people that CAN'T get out of the hole. [downvoted]

> But they did skip meals???

Negative towards OP:

> are you appropriating poverty behavior?? > > having 20k in checking account is not poverty-ism [downvoted]

> OP: lol I don’t have 20k…

OP is posting to the wrong sub:

> ur in the wrong subreddit my guy - please do head over to r/middleclassfinance [downvoted]

> OP: Really? Doesn’t that only count for people who have multiple tens of thousands saved?

Singular takes

> going with out meals in order to save sounds like torture. and it shouldn’t be necessary either, i’m sorry that’s what it took for you to get there.

> That's cool but you can easily go through your entire savings after one bad month. You need to focus more on saving and start spending less. Skipping meals is a good start. When I graduated from high school, I swore off breakfast and dinner. Basically I just eat a large lunch now. It is actually really nice. I don't believe humans were meant to eat so often.

> I don’t have rent payments stored for next month. And with the price of gas, I probably don’t have food payments stored for the next 2 weeks.

> Great job!! Don't undercut yourself, that's a big deal as most of us are 2-3 paychecks from poverty

——————

Full thread with more poverty savings takes here

Reminder not to comment in the OP!

Kimi Wo Tsumugu was announced to be adapted by Buta Productions (or ButaPro for short), and the animation was set to be released in late May.

However, on May 3rd, the official Kimi Wo Tsumugu twitter account stated the following regarding production status:

“To everyone who was looking forward to "Kimi wo Tsumugu".

We, too, learned of the terrible news regarding the appalling behavior of an individual just a few hours ago.

And we, of course, wish to distance ourselves from it as well. Our sincere sympathy and thoughts are with the victim. Such behavior does not deserve a platform. We are truly heartbroken that you had to go through this.

None of the other people involved in the animation of “Kimi wo Tsumugu” were aware of this. The whole situation makes it difficult for us, as a lot of money, time, and effort have already been poured into this project—a project that was meant to be something big and go far beyond the scope currently announced.

Accordingly, we will need some time to discuss with all other people involved how and whether we can continue with this project. (Without "ButaPro" / FAR)”

Kimi Wo Tsumugu was announced to be adapted by Buta Productions (or ButaPro for short), and the animation was set to be released in late May.

Yesterday, an individual released a 33 page document detailing how the CEO of ButaPro, Farfromani (also known as Federico Antonio Russo), groomed them, beginning when they were 14 and Federico was 23. My previous write up of this can be read here.

After this document was made public, the CEO deleted every social media account including his Linkedin. The ButaPro animation team all denounced working under the name, and have reorganized in an attempt to finish the jobs already started.

The current statement by the official Kimi Wo Tsumugu account is the following:

> To everyone who was looking forward to "Kimi wo Tsumugu". > > We, too, learned of the terrible news regarding the appalling behavior of an individual just a few hours ago. > > And we, of course, wish to distance ourselves from it as well. Our sincere sympathy and thoughts are with the victim. Such behavior does not deserve a platform. We are truly heartbroken that you had to go through this. > > None of the other people involved in the animation of “Kimi wo Tsumugu” were aware of this. The whole situation makes it difficult for us, as a lot of money, time, and effort have already been poured into this project—a project that was meant to be something big and go far beyond the scope currently announced. > > Accordingly, we will need some time to discuss with all other people involved how and whether we can continue with this project. (Without "ButaPro" / FAR)

Info: A user on Twitter has recently shared a 33 page document detailing screenshots of Farfromani (also known as Federico Antonio Russo, the CEO of Buta Productions) grooming them for years online.

> I was 14 and he was 23. I was groomed by @FARfromani and it lasted throughout my adolescence.I want to talk about it because I don't want something like this to happen again to anyone else.

Buta Productions (or ButaPro) is currently adapting Kimi Wo Tsumugu as a short adaptation.

Link to the Twitter post

Link to Kimi Wo Tsumugu account

Link to the google drive 33 page document

As of this posting Farfromani has not made a comment, but the former co-owner Blou stated the following:

> I fully support all the victims and my heart is with them. > > I wish I could have done more and regret not taking more concrete actions. > > I haven't been around much but if anyone feels the need to talk to me, my door is open, here or on discord.

Edit: Some formatting changes. Also it now appears Farfromani has deleted his account.

OP’s mildly infuriating post

OP posts to /r/mildlyinfuriating after experiencing someone talking on max volume speaker inside a restaurant:

> Phone call on speaker at max volume in crowded restaurant > > I was at a restaurant with my daughter since we don’t go out much, and she wanted one last meal out before I leave for a trip. Nothing fancy, just some nice time together. > > The entire time, the table next to us was on a phone call… on speaker… at full volume. Not a quick thing either, the whole time we were there. I imagine they were bothering other tables as well because the restaurant was packed. > > I mentioned it to staff, they did go over and say something, but it changed absolutely nothing. Call stayed on, volume stayed maxed, like the rest of the restaurant didn’t exist. > > It’s just mildly infuriating how some people can sit in a shared space and have zero awareness or consideration for anyone around them. Like… how is that normal behavior?

Mildly infuriating comments

Asking why speakerphone is so common:

> Why does everyone use speakerphone or FaceTime all the time these days?

> All phones still operate as a handset. I don’t get this either. Does nobody want their conversations to be private anymore?

> I mean, I don't think it's any different than having a conversation with someone in person. I actually don't get people's problem with this. [downvoted]

> I can talk quietly with someone in person, even in a busy restaurant. On a FaceTime call you’re both being louder to be heard clearly. Obnoxiously so.

> Ok, I haven't noticed this to be honest! [downvoted again]

> Have your conversation elsewhere and be respectful to those in your earshot.

> So no one should speak in public? [downvoted]

> People should only speak to other people that are present in public. If anyone spoke to anyone they knew loudly via phone the noise pollution of public spaces increases heavily

A comment shaming the OP:

> Grow a pair and ask them to lower the volume instead of crying to reddit. We’re all just humans you know.. [downvoted]

> OP: Or. let the staff handle it, like most people do in a restaurant.

> okay, Karen. [more downvotes]

> That’s not an example of a Karen

> you’re right it’s just weak and scared behavior [downvoted]

Explain how it’s different from talking in public:

> Explain how this is different than talking to the person across the table. It's a restaurant, it's crowded, everyone is talking. Very different than it happening somewhere generally quiet, like a bus. [downvoted]

> The quality of sound from a speaker on a phone is considerably different than voices. It’s high pitched and tinny. It has other sounds going on as well. People tend to raise their voices unnaturally higher to speak into the phone as well so it raises volume in general unnecessarily. Everybody is then basicallly yelling at the phone to participate in the call. Unless it’s a raucous sports bar, it’s not really appropriate

> Now we are just drawing subjective lines for which types of sounds, voices, and conversations are acceptable in a din of sound. [downvoted again]

Singular takes

> If the phone is excessively loud that is an issue. If it’s no different than if the person was present instead of on a speakerphone then you ARE th weird one.

> Do not comment on Reddit dude NO ONE wants to read that, it’s very intrusive.

> Talk to them or to a server. Don't be a peeping weirdo.

> As has been mentioned, some people literally don't care or are even aware that everyone can hear it and is distracted by it. Everyone used to hold a phone up to their ear because you just had to.

——————

[Full thread with more speakerphone takes here

Reminder not to comment in the OOP!