Young girl in a hat showing her empty wallet

Actively saving and living frugally may lead you to think you’re getting ahead, but when you look at the big picture of where your money is going, the bills, food, and never-ending expenses make it seem like it’ll never be enough. Someone was asking for support online and asked fellow users if anyone else felt like they never had any money? Overwhelmingly people agreed, so if you’re feeling broke, these people share similar struggles.

1. Bad Luck

Man showing his empty pockets
Image Credit: Red Confidential via Shutterstock.

A user said, “I had the same thoughts, night after night, thinking one bad luck day can financially ruin my life. It took about a decade, but I finally saved up three months’ salary. That’s my new zero; anything above that amount, I can focus on quality of life. That got me out of my worrisome nights.”

💸 Take Back Control of Your Finances in 2025 💸
Get Instant Access to our free mini course
5 DAYS TO A BETTER BUDGET

2. Search Remote

Woman looking anxious looking at her laptop
Image Credit: Asier Romero via Shutterstock.

“Just go on Indeed and put remote as the location. There are a million real work-from-home jobs right now that will hire anyone. If you don’t know what to put for the job, put customer service. You can get your foot in the door at many companies doing customer service from home for good money,” someone said.

3. It’s Never Enough

Pink piggy bank taped together with blue tape and a pile of change with a yellow background
Image Credit: Masarik via Shutterstock.

A user said, “News flash. It doesn’t matter how much you make. We all feel like we don’t have enough money. Not being sarcastic. It’s rare indeed for someone to feel like they have enough.”

4. Private Jets

Wealthy woman walking to a private plane
Image Credit: Yaroslav Astakhov via Shutterstock.

“I have a friend who was complaining that he has to rent private jets because he wasn’t rich enough to own one,” a person said.

5. I Feel Rich

Young woman walking on the street with a bunch of shopping bags
Image Credit: maxbelchenko via Shutterstock.

Someone said, “The bad part is when you feel you don’t have enough, but your partner does. Whenever my wife says, “I feel rich,” I start shaking in my boots cause I know she’s feeling spendy.”

6. Paying Rent

Young woman sitting at a table with papers and a laptop looking stressed
Image Credit: Wavebreakmedia via Deposit Photos.

“I’m almost 30 and make nothing stably unless I pull in clients (and even then, I’ve never made anything close to 75k a year). I’m on Centrelink, able to save very little, very slowly, and anything unexpected blows away whatever I’ve saved. I worry about being unable to pay rent and kicked out of where I’m regularly living,” a user said.

7. Paycheck-to-Paycheck

Older couple looking stressed about money
Image Credit: iJeab via Canva Pro.

Someone said, “Living paycheck-to-paycheck for over 25 years. I make 16k a year. So the answer is: yes.”

8. Crashed

Woman being productive at work
Image Credit: Diego_cervo via Deposit Photos.

“All the time! I’m 28 and only started my first “real” full-time job after earning my Ph.D. My savings during all my degrees was decent but very limited since no 401k, and I didn’t know about IRAs. So I’m now throwing whatever I can into retirement savings and learning about ETFs, bonds, and stocks, exactly as the market crashed and is very down,” someone said.

9. Inflation

Young women cuddling her newborn who is laying on a bed
Image Credit: Prostock-studio via Shutterstock.

Somebody said, “Inflation is real. I honestly don’t know how people afford to get by without being married and both partners working. You have to have free childcare to raise a family. If not, I don’t see how people do it.”

10. Lifestyle

Couple looking at a store receipt together with a shock look on their face
Image Credit: Stokkete via Shutterstock.

A user said, “It doesn’t ever get better. It’s called lifestyle creep. As you make more, you spend more. And everyone thinks they should be saving more.”

11. Expenses

Car salesman trying to sell a car to a customer
Image Credit: Ground Picture via Shutterstock.

A person said, “Expenses matter. 75k living at home is a lot of money. You could drive a nice car and appear wealthy (if you don’t save). 75k with a kid and mortgage is different.”

12. Pandemic

Woman's hands taking money out of a red wallet
Image Credit: Zakhar Goncharov via Shutterstock.

“Pre-pandemic, I got a raise to where I was just on the line of 50k/year USD pre-tax. Last year I made about 81k. My goal this year is 100k, and I feel just as poor as I did when I was making 50k due to Inflation. The grocery store angers me the most,” a user said.

13. The System

Man showing his empty wallet
Image Credit: Pisit.Sj via Shutterstock.

A person said, “The system is set up that way. It’s meant to take as much time from you as possible. Time is money, of course.”

14. Goals

Man looking at his bills and being stressed out
Image Credit: tommaso79 via Shutterstock.

Someone said, “I’ve surpassed every financial goal I’ve set for myself, and I still feel like I’m behind. It’s a psychological thing you need to resolve internally. Shifting goalposts is real.”

15. Back to the Start

Young couple working together on their finances
Image Credit: Ground Picture via Shutterstock.

“All the time. The rising cost of living doesn’t help either. It feels like every time my wife and I get some pay raise/promotion, we are still where we were before,” someone said.

These Life Hacks Will Save You a Ton of Money, According to the Internet

Woman holding a bunch of cash smiling in front of her laptop
Image Credit: ViDI Studio via Shutterstock.

Reddit may not be the first place you go when you’re looking for inspiration to save money, but the life hacks subreddit probably has more ideas than you’d expect. The original poster (OP) asked his fellow Redditors, “What’s a life hack that’s saved you a ton of money?” The r/lifehacks community was quick to share their best money saving tips.

These Life Hacks Will Save You a Ton of Money, According to the Internet

The Best Gas Apps To Save Money At The Pump

Woman filling up and saving money on gas
Image Credit: Pixelshot via Canva Pro.

With gas prices hitting record levels this year, it’s no surprise that consumers are looking for ways to cut costs. That’s where gas apps come in. These apps help you find the cheapest gas and offer rewards too.

The Best Gas Apps To Save Money at the Pump

How To Save Money Fast – 26 Easy Tips

Woman saving money fast
Image Credit: Ridofranz via Deposit Photos.

We all know it’s important to save money. But how do you do that when inflation is up, mortgage rates have increased, and rents are rising? Oh, and don’t forget – extra spending is coming with the holidays around the corner. Yet even in tough times, there are strategies to help build savings fast.

How To Save Money Fast – 26 Easy Tips

14 Actionable Tips To Save Money on Your Electric Bill

Man holding a lightbulb and saving coins in a piggy bank
Image Credit: LookerStudio via Shutterstock.

If you want to cut down your electric bill, there are plenty of ways to save money. These tips can help you learn how to save money on electric bills. That means more money in your pockets – and less financial stress.

14 Actionable Tips To Save Money on Your Electric Bill

6 Frugal Hacks To Save Money and Counter Inflation in 2023

Woman's hands holding cash flipping through it
Image Credit: NATNN via Shutterstock.

While inflation seems to be slowing down, anyone who has been to the grocery store in the past month knows prices are still outrageous. But, it is possible to counter inflation in 2023 with these frugal hacks that will save money and offset elevated prices.

6 Frugal Hacks To Save Money and Counter Inflation in 2023

Inspired by this thread – photos for illustrative purposes only.