“there must be something you can do to improve things, why are you whining?”

If the “why are you whining” part is how it came across that’s on me. I meant it more like, “there are always possibilities to improve upon your situation and that is always a better option than falling into hopeless despair which merely keeps you misery”. And no I don’t mean just get a fifth job lmaoo, but literally anything that’s reasonable and realistic.

Nipping off anything off your budget so you can get 20 bucks saved a month is a better option than giving up on the dream of owning a house.

Unionizing for a better pay to get 20 bucks saved a month is perhaps a bit more provocative option but an extremely healthy one at that.

You get the jist. Like I said to the other fella in this comment tree, I’ve been reading into credit rating system during this convo and yeah I start to understand where the high emotions come from.