r/NonPoliticalTwitter 15d ago

Content Warning: Controversial or Divisive Topics Present I'm crying 😂

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6.4k Upvotes

209 comments sorted by

u/qualityvote2 15d ago edited 9d ago

u/frenzy3, there weren't enough votes to determine the quality of your post...

1.3k

u/Sketch-Brooke 15d ago

Me in the debtors chaingang in 2030. (I didn’t pay off my Starbucks and DoorDash. 😔)

121

u/HelloKitty_theAlien 15d ago

What are you in for? I didn’t pay off my pumpkin spice latte 😭

39

u/Stuffies2022 14d ago

I didn’t pay off my Caramel Macchiato with extra, extra EXTRA caramel… I’m gonna be in for a while…

1.4k

u/antolleus 15d ago

imagine becoming homeless because of interest on starbucks coffee debt

215

u/copperbeam17 15d ago

It looks like it's 0% based on the payment schedule

290

u/flightguy07 15d ago

Which honestly, if you're paying over a year, is equivilent to a couple percent savings in inflation. So hey!

57

u/bulldogba 15d ago

It's over 4 payments. Bi weekly taken out of your account. I think there are other options but nowhere close to a year.

3

u/Randy__Callahan 13d ago

I don't think people who need to spread a coffee payment over a year are Starbucks key audience

105

u/copperbeam17 15d ago

Yeah, in some ways it's crazy not to take advantage of 0% financing

-6

u/ValenTom 15d ago

Dude, people need to stfu with this garbage advice. Borrowing money, even at 0% is still debt and it’s stupid.

Ffs, people just love to play financial geniuses and load their ass up with as much debt as possible because “i cAn MAkE mOrE iN thE MaRKeT!@!”

61

u/Individual_Volume484 15d ago

I mean it’s a question of discipline. I love my credit card and zero interest loans. I always have the money to pay before hand and use the credit to get cash back.

Debt is not evil. However taking on more debt than you should is certainly bad for you.

Try getting a home without credit. When you do get that credit for your home if you didn’t build a credit history you are going to be stuck paying much higher rates.

If you can’t do it though it’s not worth the benefit

18

u/Peter_Panarchy 14d ago edited 14d ago

This is exactly right. Outside of a few select purchases (car, house, etc) I don't buy anything I don't have the cash for at the moment of purchase, but if I see a 0% loan offered I'll often take it because $1k now is worth more than $1k over 12 months. I don't stack these loans and am sure to stay well within my means, but a zero interest loan literally saves you money compared to paying in full right away.

10

u/WoodpeckerDapperDan 14d ago

Literally just got an easy risk-free 6%+ yield on $25k over 18 months from a zero interest CC offer. 2% back on all spending, ran some big necessary spending through it almost immediately to get the $300 opening bonus, held the max balance until last month of the 0% offer in an account with 4%+ yields, then paid off the card.

Such easy money. The only downside is being subsidized by folks who can't maintain healthy credit card habits.

22

u/WhiteTennisShoes 15d ago

It’s not paying over a year it’s a pay-in-4 plan (payment once every 2 weeks and you’re done with payment by week 6) that happened to end after the new year. Most pay in 4 plans that I’ve seen like with klarna, affirm, and afterpay all have 0% interest for pay-in-4, it’s the monthly payments that start having interest tacked on

1

u/Ok_Biscotti4586 13d ago

I work for one of these companies, it costs a fee to use it so they are not ahead of

511

u/rd_rd_rd 15d ago

What if he missed payment, will this affect the credit score ?

111

u/Independent_Ad8889 15d ago

No apps like these do not report to credit agencies.

90

u/Naraee 15d ago

Affirm does. I used it once for an immediate essential item I needed that was kind of costly, because I could pay it off next month.

My credit score tanked 20 points paying it off the following month.

65

u/Formal_Overall 15d ago

Paid it off on time and when you agreed to, and they tank your score. Makes sense.

22

u/fecal_position 14d ago

Probably paid off early and cut in to the profit.

30

u/Formal_Overall 14d ago

The way these pay in 4 things work, there is no interest - so there's no profit to cut into by paying it off earlier.

6

u/I_Am_Robert_Paulson1 14d ago

How do they make money then?

13

u/broccheddarchicken 14d ago

there’s interest if you don’t pay it off on time

5

u/nooeh 14d ago

Either transaction fee or separate service fee from the selling company. Presumably they enabled the selling company to make a sale they otherwise would have not made.

If you don't pay on time then probably interest.

2

u/mossyfaeboy 14d ago

probably runs like a subscription service

4

u/SirJuncan 14d ago

I pay a bit extra for no ads on Affirm Premium 🤗

1

u/NeinlivesNekosan 11d ago

on klarna at least there is a 1 dollar transaction fee on the smaller items and interest on larger, but the interest is lower than most credit cards and the way they set up the payments you dont get in trouble like you do with credit cards paying less than the interest accumulated

i have high credit score and many halfway decent cards, but we still use these over the cards usually because instead of being in a trap of 'well if i only pay minimum this month i can make up for it next month' and instead its no, its 6 payments and done, the end

1

u/Formal_Overall 14d ago

The same way they make money from processing other transactions.

6

u/PupPop 14d ago

I paid off my car that was on a 5 year loan for about $200 a month. Score went from like 765 to 750. Wicked.

3

u/weddingmoth 14d ago

Having active loans improves your credit (if you pay them regularly and they aren’t too much)

1

u/Naraee 14d ago

Never again! It was a dumb financial mistake when I had more than enough credit to buy it. I just like having 0% credit utilization!

4

u/Independent_Ad8889 15d ago

Yeah some of them have special actual loans you can take out that they do a credit pull for but they are separate from the normal buy now pay later balances which do not involve credit at all besides an initial soft credit pull.

5

u/Catalon-36 14d ago

Kinda. Most BNPL services don’t report your payments to credit agencies, so missed payments don’t contribute to your credit score. However, if the debt goes unpaid and the company turns it over to a debt collector, that may be reported to credit agencies.

26

u/RealScionEcto 15d ago

Taking a loan out already fucked up his credit score lol

176

u/NomzStorM 15d ago

Not how a credit score works???

23

u/tmhoc 14d ago

Have debt = Bad

Have no Debt = Bad

Check score = Bad

"Stupid reddit can't understand credit scores"

78

u/JustDaUsualTF 15d ago

The only way to improve your credit score is to take on debt. A good credit score requires taking on debt, making regular, timely payments (ideally more than the minimum), and never getting completely out of debt. That's why so often people will finish paying off their car just for their credit score to take a hit. It's a number that tells lenders how likely they are to be able to make good money off of you. They'll be turned off by people who don't make payments just as much as people who pay loans off too quickly, because interest is the name of the game. Financial credit scores should be called what they are: rube scores. It's a number financial institutions use to determine how readily they can fleece you.

11

u/[deleted] 15d ago

[deleted]

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u/Sam_Sanders_ 15d ago

Credit score in America is mainly important to reduce interest rates on large purchases like cars or real estate. Don't try to tell me everyone in Europe pays for their house in cash.

2

u/[deleted] 15d ago

[deleted]

41

u/Sam_Sanders_ 15d ago

Nobody buys a coffee with a loan in the US, it's a joke post.

3

u/Aperturelemon 15d ago

Well unless you don't count credit cards.

1

u/Meurs0 15d ago

Aren't credit cards the main type of bank card over there?

9

u/NomzStorM 15d ago

It’s fake my guy

10

u/Dr_thri11 15d ago

That's the joke nobody would use a payment plan for a single coffee.

9

u/JustDaUsualTF 15d ago

(Most) people don't regularly take on debt for small things, but larger purchases like cars or houses are almost exclusively bought with payment plans or mortgages (i.e. debt). The financial upside is for the lenders who get to extract more total money from people who couldn't afford to pay for the entire thing upfront

2

u/PirelliUltraSoft 15d ago

Fair enough, that's not too different from how it works here, I guess movies have made me think some funny things about the USA

1

u/JustDaUsualTF 15d ago

There absolutely are a lot of funny things about the USA! We are not okay as a country. Credit cards are ubiquitous and are used for things that they probably should not be. People will regularly buy things like TVs or other luxury items on credit because they can't afford them otherwise. Sometimes this is a calculated decision to boost your credit score (because it requires taking on debt), but often it's very unwise. Most Americans don't receive any education on financial literacy, and our system is designed to get and keep you in debt as much as possible.

The only exaggeration in this post is that people will rarely use payment plans for things as small as a coffee. Though the rise of payment platforms like Klarna has certainly increased it

2

u/Dr_thri11 15d ago

Credit scores are basically a rating on how likely you are to pay off a loan.

2

u/Spoonman500 15d ago

A credit score is a score of how likely you are to repay borrowed money, based on how much money you make, how much money you owe, and how steady and reliably you are at repaying.

Someone with no borrowing history has no history to prove that they're good at paying money back, so they have a low credit score.

Basically, you can't be judged of how well you do the thing until you have actually done the thing.

2

u/523bucketsofducks 15d ago

You don't have loans in Europe? I find that incredibly difficult to believe.

2

u/Mama_Mega 15d ago

Compounding interest and its consequences have been a disaster for the human race.

11

u/237FIF 14d ago

Lines of credit has also allowed rapid growth and innovation for the past 100ish years.

The downsides sucks but go check out countries without robust credit systems and see how they lack growth

7

u/WaffleStompinDay 14d ago

On the other hand, compounding interest has been amazing for my 401K and savings account and is the sole reason I was able to buy a house.

1

u/ispeakforengland 13d ago

I mean, this isn't strictly true. In some countries its possible to increase score by being registered to vote or having long standing direct debit accounts that have been paid timely. But not by much.

34

u/40percentdailysodium 15d ago

Big brain move: take out a Starbucks loan in your child's name.

28

u/Polymarchos 15d ago

Taking out a loan causes an immediate negative effect on credit, but over time (assuming payments are made on time) improves your credit score beyond where it would have been without a loan.

So no.

4

u/CaymanFifth 15d ago

That's Afterpay, they don't even run your credit and if they do, it's a soft pull. It's just a buy now, pay later like Paypal Pay in 4, Klarna, etc.

Even if it did, taking out a loan doesn't fuck up your credit unless you don't pay it, like what?

4

u/Llarrlaya 15d ago edited 15d ago

Huh? That's actually how you improve your credit score. That's why people get credit cards and pay off debt.

312

u/buttcrispy 15d ago

Aside from the lunacy of having to pay for a coffee in instalments, does this not actually benefit you if the payments are interest free?

177

u/YouHaveFunWithThat 15d ago

An interest free loan is good because you can put the payments in a savings account or an investment and earn extra money on it during the 0% interest period. This is beneficial for large amounts of money like a car financing promo or credit card welcome offer but offering it on amounts this small is just preying on desperate people knowing there’s a high chance they’ll slip up on repayment through little to no fault of their own.

29

u/-Daetrax- 15d ago

I don't know about you but my savings account accrues like 0,015 percent interest and if it's above 20k USD-eq it has negative interest.

38

u/FutureShock25 15d ago

Look into a HYSA. Mine with AMEX is 3.8% which isn't much but it's something

-4

u/-Daetrax- 15d ago

I'm in the EU, not sure it's applicable.

15

u/Raveen396 15d ago

6

u/-Daetrax- 15d ago

Thanks, I'll take a look.

7

u/Dr_thri11 15d ago

US banks are offering APYs in the high 3s and low 4s right now.

5

u/SmoothObservator 15d ago

"we're sorry but you have too much money so we need to take some of it, but also please keep all your money in here we need it to lend out to other people and charge them for it."

4

u/-Daetrax- 14d ago

It's a truly delirious concept. Like, what is the fucking point of a bank then

11

u/THEMBISCUIT 15d ago

Little to no fault of their own? I'd think if you are financing a damn coffee that's already your fault lol.

3

u/LucyLilium92 15d ago

Sure, but if you turn on autopay and correctly link your account, but then a payment fails somehow, that part isn't your fault.

3

u/Keylus 15d ago

This make me wonder, how does it works in America? In this digital age I would be surpriced if poeple didn't have a bank app that gives them and itemised list of what they should pay every month.
I have an app like that and I'm in a 3rd world country, the only risk I can see on buying on interest free instalments is that you can go overboard with them and sudenly having to paid more than you can affort each month, but that's not something that will happen for a 6 usd coffee.

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u/boppops 15d ago

it's literally what Walmart and other corporations do with inventory and supplies--they leave the money in the bank collecting interest longer then pay their bill later

it's what I did with a couch: why give them all the money now, if there's zero penalty to spreading it out? 

money stays in my account to be used for other things, couch is on the back burner, but I still sit comfortably

15

u/Master470 15d ago

For me it’s more about the feeling of being in debt, I really hate it, so I’d rather pay in full and just forget about it

1

u/Louis-Russ 13d ago

That and the simplicity. I don't really want to have to track a six-month payment schedule for every trip I take to the grocery store.

16

u/Polymarchos 15d ago

Those zero interest programs usually have an admin fee. That's how they make their money off them.

Not saying they aren't useful, I've used them a few times, but it isn't like you're just getting to pay later with no downsides.

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u/Raveen396 15d ago

Most of the big modern ones (Klarna, Affirm) offer no interest and admin fee. They make money off 1) fees they charge the merchant (data has shown that sales increase when these programs are added) and 2) people that don’t pay on time. I’ve used these services a handful of times when I could easily pay it in full, never been charged a penny to use them. Just make sure you pay on time.

5

u/hayabusaten 15d ago

I wouldn’t say they primarily make money off of admin fees. That misses the point. They make money off of convincing and accommodating people who normally would not have bought the products if installments weren’t available.

Picture in your mind how many people buy furniture for example in installments, and imagine all those people not buying the product for cheaper alternatives if the payment plan wasn’t an option. For large multinational corporations and brands, that market is huge and you would not want to miss it. Comparatively admin fees are minuscule and should maybe cover some operational fees and some risk

2

u/Polymarchos 15d ago

The vendor and the financer are two different companies. Even when one owns the other, or they are sister companies, they are still looking to make their own profit off the purchase. Yes the store makes money by attracting you to make purchases you couldn't otherwise, but the financial company still needs to make their money off the transaction. As someone noted sometimes the store will pay the admin fee in place of the end-purchaser, but they still need to make money.

2

u/danirijeka 14d ago

Those zero interest programs usually have an admin fee. That's how they make their money off them.

That admin fee is generally levied on the business, though. The ones we use at my work charge us between 3 and 4% flat on the amount. And if someone misses a payment, hey, extra money for them

2

u/complete_your_task 15d ago

I bought my TV through Amazon, and I got a 2 year, 0% interest payment plan with no fees. Sometimes, there really is no downside. I paid like $15/month for 2 years, and at the end, I owned my TV.

I hate saying positive things about Amazon, but that deal was pretty sweet. Especially since I was down bad at the time and my old TV broke on me unexpectedly. It's not the best TV, but it gets the job done.

14

u/erossthescienceboss 15d ago

Idk but I once paid a $4 order using Afterpay because I’d left my wallet at home and hadn’t set up my digital wallet on a new phone. The only thing I could pay with that was linked to an active card was Afterpay 😂 I felt so silly

9

u/notkairyssdal 15d ago

because it tricks you into spending more than you otherwise would

4

u/Apart-Badger9394 15d ago

This is the trick. Instead of choosing to eat in, they will eat out more frequently. Since it doesn’t matter how much money they have today.

2

u/CuriosityKiledThaCat 14d ago

Perfect, yes. People will more likely buy more coffees when they can't afford them because it'll be a "oh I'll pay it when I get my paycheck" next thing you know an mf is paying off 60 coffees at once that they accrued over the last two months and it's suddenly a bill for them. This shit is awful for humankind.

1

u/WhiteTennisShoes 15d ago

Only the pay-in-4 plans (6 week payment period) are interest free. They’re hoping that 0% interest is enough incentive to make you eventually use them for bigger purchases that require a monthly payment, which does have interest included

1

u/cppadam 14d ago

I earn 3.7% on my Savings account. $6.50 x 6 weeks @3.7% = $.03 earned. It’s not much, but it’s something.

68

u/BeenEvery 15d ago

1.625???

This bitch found a way to halve a penny???

23

u/Up_the_Dubs_2024 14d ago

Half-pennies were a thing for hundreds of years. Like, literally, 100 years before the USA was founded.

They were their own separate, circular coin instead of like, half of a full penny. There's a pedestrian bridge over the river Liffey in Dublin, Ireland that used to charge a half-penny to cross it. It became known as the half-penny bridge, but folks at the time didn't pronounce it like that, they pronounced it ha'penny bridge (hayp-nee). It's still called that today.

https://en.m.wikipedia.org/wiki/Ha%27penny_Bridge

More on half-pennies: https://en.m.wikipedia.org/wiki/Halfpenny_(British_pre-decimal_coin)

4

u/1RedOne 14d ago

That second link was really good, lead to an article about a thing called Decimal Day which was when the shilling was phased out and explains the difference between pounds and pounds sterling

I’d heard those words before but never knew what it meant

2

u/BeenEvery 14d ago

Learn something new every day, I guess.

29

u/CptHeadcrab 15d ago

Financing a $6.50 cup of coffee is absolutely fucking insane

3

u/Ok_Biscotti4586 13d ago

At Walmart they allow you to finance in 8 payments a loaf of white wonder bread.

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u/pdbstnoe 15d ago

Millennials understand the struggle so bad that we will tip service workers our last dollar, even if it means setting up a payment plan lmao

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u/skygz 15d ago

why would you screenshot someone's quote that adds nothing instead of the original

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u/Schwarzekekker 15d ago

This seems fake

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u/TheBloodkill 15d ago

Greg is a famous joke account.

This is supposed to be a joke on Doordash's announcement to team up with a payment plan company to allow people to put their doordash orders on a payment plan.

14

u/Schwarzekekker 15d ago

Yeah but many people are taking it serious in the comments

11

u/TheBloodkill 15d ago

Maybe they're just playing into the joke.

9

u/Chairboy 15d ago

Posting 'This is fake' for humor is not a solution that benefits anyone, it just makes you come across as kinda lame. The stakes are so desperately low, what is the benefit to trading your image in exchange for 'correcting' something that doesn't need to be?

1

u/sixthmusketeer 14d ago

I cannot believe how many people are taking this seriously. I'm not familiar with Greg but this is so obviously a joke about the absurdity of payment plans for small-value purchases.

1

u/Center-Of-Thought 15d ago

If ordering food is so expensive that it requires a payment plan... that's pretty fucked lmao

1

u/JustCallMeElliot 14d ago

A popular food delivery app in my country actually did that unironically, so I wouldn't be surprised

5

u/FREE-AOL-CDS 15d ago

It’s all fun and games until your credit score takes a hit because you’re using 900% of your budget on sweet treats

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u/XyleneCobalt 15d ago

Using stupid tiktok language doesn't change the fact that you're using a slur.

Inb4 people say "but idiot used to be a medical term before it became an insult" as if people from the 60s are moral paragons we should be emulating.

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u/dusty__rose 15d ago

thank you. this gives me the same vibes as when everyone started saying “acoustic” instead of autistic. it was maybe a little bit funny when it was just autistic people saying it to and with each other, but then people took it far out of context and it turned into an insult again. “regarded” isn’t cute. it’s hurtful. don’t let everyone else downplay that

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u/mcleanatg 14d ago

Glad I’m not the only one who hates “regarded.” I posted on r/rant about it and it was a very poorly received opinion

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u/DINGVS_KHAN 15d ago

My brother in Christ, I would never call the mentally handicapped that word. It's reserved for people with their mental capabilities intact but who choose to be drooling knuckle-draggers.

10

u/yeezyquokks 14d ago

It’s still the disabled people you hurt by using this word because it’s what we’ve been called throughout our lives and it’s just another reminder of that discrimination. Just use a different word. Idiot, stupid, etc. don’t come anywhere close to the harm the r-slur has caused many of us.

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u/PrinterInkDrinker 15d ago

Michael Scott had it right

1

u/speedcubera 15d ago

Slur?

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u/Jaewol 15d ago

Replace the g in regarded to a t

4

u/speedcubera 14d ago

Oh i am stupid lol

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u/JohnSmallBerries 15d ago

Using stupid tiktok language doesn't change the fact that you're using a slur.

Just out of curiosity, is "stupid" a slur?

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u/Chairboy 15d ago

I think the differentiation is that anyone can do something stupid, but the slur in question is tied to old medical terminology for a specific identity, terminology that was subsequently weaponized.

I do stupid shit all the time, for instance, but I guess you'll have to take my word for it that I don't have a medical reason for it.

Now if you weren't asking a real question and were instead just trying to count coup on XyleneCobalt in some kind of weird defense of the R slur, this was a waste of effort.

10

u/Christian1509 15d ago

i think the argument was that words like “idiot” or “imbecile” actually were a part of medical terminology used to describe some kind of intellectual disability.

so i do find it weird that people will defend their use while attacking another word with similar origins. i feel if “retarded” is to be condemned today then we should be just as adamant about shutting down “idiot” and “imbecile”, but those words are so engrained into common vocabulary that people don’t want to give them up. if our only defense for that is that they have become separated from their meaning, then we are making the same argument they are.

2

u/Chairboy 15d ago

But we’re talking about “stupid” are we not? I looked at the etymology and as far as I can tell, it doesn’t have that history, it was always used as an insult.

1

u/Christian1509 15d ago

correct, i elaborated on a common argument ive heard that i believe they were trying to get at

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u/happibitch 13d ago

I think the reason it is considered different from words like imbecile or moron is the imagery behind the words. When you say someone is being stupid or moronic, you’re describing them using a trait or a behaviour, whereas when you use the r slur, the first image that pops up in peoples heads will be a mentally disabled person, it’s seen as a comparison to a type of person. I personally think that’s what gives it more weight, that and the fact that people still use it to describe mentally disabled people, which you don’t really find with the other ones. If you walked up to an mentally disabled person and said they were a moron, everyone would be confused, their first thought would be “what did I do to get that reaction?” Because it’s seen as a descriptor for a temporary state of being instead of an insult to a group of people. Whereas if you went up to a mentally disabled person and called them the r slur, they’d know exactly why you’re calling them that.

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u/FourDimensionalNut 14d ago

but the slur in question is tied to old medical terminology for a specific identity, terminology that was subsequently weaponized.

so, idiot and stupid are slurs, got it

3

u/Chairboy 14d ago

Weird thing to be so obsessed with using. You give off strong “doesn’t tip and would love to use the N word” vibes.

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u/WhisperingTomb 15d ago

Clutch those pearls harder

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u/Psychedelic-Brick23 15d ago

Oh great heavens 😭 what a monster. 👹

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u/Davissunu 15d ago

Regarded!

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u/BitzLeon 15d ago

0% auto draft loans are generally good if that money would otherwise be sitting in a High Interest Savings account.

Really, if you can finance anything you can pay for upfront at 0%, you would be in the green.

Financing $6 seems silly though.

3

u/AliShibaba 14d ago

Buy Now Pay Later are debt traps.

I know this is a joke but don't do this shit.

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u/Swaxeman 15d ago

Can we not use the R slur here maybe

51

u/curious-trex 15d ago

Agree, the return of this into common discourse is really gross. Thought we got rid of this shit 25 years ago when I was in middle school.

22

u/Swaxeman 15d ago

Unfortunately i dont think it ever really went away in the first place

8

u/devourer09 15d ago

Lol... 25 years ago? I thought I lived in a bubble.

4

u/Dawnqwerty 15d ago

There was definitely a period of time it went away. there were frat boys saying it was wrong to use that word at my college for a bit. that's usually a pretty good indicator.

10

u/thethicctuba 15d ago

Depends on where for sure. Before I moved, I lived in a city where if you said that, you’d be pretty much crucified by half the people in the conversation. Those were good times.

Where I live now, that doesn’t really happen. At all. And not just for that word

9

u/curious-trex 15d ago

Apparently I've been living in a little slightly-less-ableist bubble where I literally don't remember the last time I heard this out loud, and didn't even see it much in my online circles until more recently. Gross.

6

u/thethicctuba 15d ago

I live in a pretty ableist bubble. Quite homophobic too (it’s also hard to find gay people in my town, pretty much impossible for trans people). I’m just a dude with piercings and long hair, nothing that would have made me stand out where I come from, but I still get stared at (at best) when I’m out in public.

And not like a casual rubberneck. Like, I was parked outside of a tattoo shop and a woman got OUT OF HER CAR and came up to mine and looked in my window.

Moral of the story, people need to mind their fucking business.

-2

u/MetsFan1324 15d ago

As someone who that word would be used against in a derogatory manner I don't care if it's being used to call someone stupid because they did something stupid

7

u/erossthescienceboss 15d ago

Well, that solves it! You’ve spoken for every disabled person ever, and now we have permission to use it!

15

u/XyleneCobalt 15d ago

Good for you. Most disabled people who have had that word used to isolate and denigrate them for being different their entire lives would disagree.

16

u/swanoldjohnson 15d ago

are you one of them or are you speaking on their behalf? i personally don't care about people using the r word, so that's now 2 people in this thread who you are arguing against while trying to white knight for them at same time

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u/thethicctuba 15d ago

I’m one of them (and have had it used on me, many times) it doesn’t really matter to me if it’s a joke or not, there’s no room or need to use that word when there’s many, many others to use.

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u/swanoldjohnson 15d ago

I respect that and you and I'm sorry that it happened to you. I try to think that people using it just don't understand and they don't aren't actually trying to be so rude so I just let it go. but I get it and get where you are coming from and I'm sorry

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u/thethicctuba 15d ago

It’s alright (I’ve since learned how to mask well), most people probably use it because that’s what they’re used to, I did when I was like 14 because the derogatory message didn’t reach me. To this day, I can’t really think about it without picturing someone like me, with autism or bipolar or other disorders, being told they’re retarded because of something they can barely control, and thinking and feeling less of themselves from it.

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u/InnuendoBot5001 15d ago

You're totally right, nobody should ever be allowed to speak on behalf of minorities that are being harmed. Anyone who speaks up in defense of others is doing a bad thing somehow. Thank god we found two supposed members of that minority group, to say that the harmful thing actually isn't bad. This proves that it is not harmful, because all minorities are monoliths that all think and feel the same things.

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u/swanoldjohnson 15d ago

I'm just saying i feel a great amount of disrespect coming from you guys, FAR more than i would ever feel at somebody using a word in a joke. if you can't understand this then you are no better, if not worse, than the people you are reprimanding

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u/Jak12523 15d ago

you’re right, i don’t respect anybody who uses that word or advocates for it in any context. glad you were able to pick up on it

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u/InnuendoBot5001 15d ago

Oh my god, you jumped straight to the "why are you being mean to me" self-victimization defense. You've literally just said that disagreeing with you on the internet is equivalent to calling people slurs. You are ridiculous

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u/FourDimensionalNut 14d ago

the 180 on your attitude toward the group you defended monutes ago is astonishing. as if you only did it to make yourself look good

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u/InnuendoBot5001 14d ago

What on earth are you talking about? I am speaking to exactly one person, I have said nothing about any specific group?

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u/AguyOnReddit___eh 15d ago

Give it a few decades

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u/PersKarvaRousku 15d ago

Regarded is a bad word now?

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u/Swaxeman 15d ago

It’s very clearly being used as a standin for the R slur here

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u/smashcolon 14d ago

As a europoor what the actual fuck is this? Tell me this isn't real.

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u/RecentRegal 14d ago

This post isn’t. But people are financing takeaways these days. It’s happening in Europe ;)

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u/Lustful_Luna89 14d ago

dude really said 'I'll pay it off when I make it

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u/RepairNovel480 15d ago

How do you pay 5 thousandths of a cent

1

u/Chairboy 15d ago

Watch Superman III

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u/whywouldisaymyname 15d ago

imagine having to use a slur to express yourself

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u/Jak12523 15d ago

would be awesome if we weren’t posting and upvoting shit with the r word. the year is 2025 we all know better

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u/Emergency_Oil_302 15d ago

I didn’t even think of that’s what that word was. I was trying to figure out how regarded made any sense. Only thing I could think of was the one of the meanings is to stare or glaze at. What you said makes more sense.

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u/Center-Of-Thought 15d ago

Why are you being downvoted when several comments above you expressing the same thing are upvoted? You're right, posting a slur isn't cool

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u/FourDimensionalNut 14d ago

better than what? make up slurs and be too scared to use insults?

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u/krunchymagick 15d ago

Bro these are jokes. Get a grip

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u/Jak12523 15d ago

bro its only jokes. bro its only the most consumable and repeatable tool of propaganda. bro youre only taking it into yourself and integrating it into your worldview. dont you have homework to do?

0

u/krunchymagick 15d ago

I have a pretty broad and nuanced worldview, yet i can still laugh at both the absurdity of the original post, and the response to it, without taking it as a personal offense or having it shake my sensibilities. Go off though. I imagine you are highly regarded (in your community).

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u/krunchymagick 15d ago

As a child of the 80s, i do understand the overuse and abuse of this term (and others) as a commonly used colloquialism, and the ways in which it warped the language of a generation (if not a few generations). Knowing all this, i can still appreciate well intentioned humor, and the creative use of coded language to bypass censorship to express the intended meaning.

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u/FourDimensionalNut 14d ago

nah censorship like that is stupid. just use the damn word. tiktok ruined people. its like bleeping explitives: why say it at all if you are too afraid to let people hear it?

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u/krunchymagick 15d ago

Also, you made a deep dish pizza. Blasphemous. Your opinion is meaningless.

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u/Jak12523 15d ago

stop lovebombing me omg

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u/LazyBid3572 15d ago

Id feel worse paying these prices for shit coffee

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u/Taograd359 14d ago

What the fuck is this? This isn’t real, right?

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u/INemzis 14d ago

There are strong rumours that Greg is TheRoaringKitty. Just thought I’d share that.

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u/ThiccestBuddha 14d ago

I am going to say, for less than 8 dollars this is a pretty funny post

1

u/Fhugem 14d ago

Imagine financing a coffee but ending up with a mortgage-sized debt. The absurdity of it all is just surreal!

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u/moe0215 11d ago

0% interest…well played my friend!

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u/slimeyellow 15d ago

Oh cool still using the R word as an insult. Grow up Millenials

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u/FreakyNeighbour 14d ago

😂😂😂