Sunday, April 21, 2024

The sad, scary implications of these Chime Banking App Commercials

While driving up to Vermont from Maryland last Tuesday morning, I listened to a news story about the obesity epidemic in the United States.  A woman being interviewed talked about sitting in the McDonald's Drive-Thru hitting "refresh" on her banking app over and over again, literally racing her direct deposit paycheck with her breakfast purchase.  

What sounds to me like an absolute nightmare, and a huge red flag/wakeup call that it's time to get your finances in order.  That person in the interview got it- she realized that she was addicted to fast food AND living on the margins of poverty with the ridiculous amount of money she was spending on "food" that was literally killing her in two ways.  Eventually she went back to her banking information, did some hard, cold research, and found out that she had spent $40,000 in three years at the Drive Thru.  

Scary, but at least she figured it out and realized that her lifestyle was not sustainable and is no longer throwing good money after bad.  Unlike these nitwits, who seem perfectly happy to play a stupid game with their financial health and maybe even get a gambling-level electric thrill out of Beating the Clock every two weeks.  Personally, I don't see the attraction of wondering if I'm going to need overdraft protection every time I make a purchase.  These people are fine with it.  I wouldn't be able to sleep nights if my finances were in this kind of shape. 

I do not understand, but what do I know- I don't even get the "fun" of risking my financial stability on gambling apps.  

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