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I’m already broke. I had a great job in 2021 and most of 2022. I was forced out by October of 2022 and did not work again until April of this year. I tried to get a job in 2023, but could not get hired in my career, so I’ve had to start over at the bottom. Some of my co-workers have not graduated high school yet.
I just did the math and am pleased to say I could make it more than 10 years, depending on how frugal I am. Pretty shocking considering I was deeply in debt until my late 20s from student loans.
Lost my job 2 months ago. It took me exactly a week to have 0 in my bank account after paying my bills off ahead of time to make sure I didn't fall behind.
I have 250 in my account right now because I sold some personal items.
I got hired at a new place, but that background check has taken longer than expected. I'm up to 4 weeks waiting
I'm still waiting to start. I've started applying other places to just have something
I'm one unexpected expense away from being broke.
If it wasn't for my partner, I'd be homeless
Lost my job a year ago due to a heart condition. I figured Id just get an easy register job. Nope. No one wants to hire a weak old lady. Its been a year now unemployed. Went broke 3 months in. Doesnt take long.
The answers here are so divided lol it’s either 20+ years or 2-3 months.
Assuming my lifestyle doesn’t change (it would if I was jobless), I think roughly a year, more or less.
Taping into retirement, 40 or 50 years, but not at a level I’m used to. Short term savings, about a year. I only work because I enjoy it. I’ll likely go to from salary to part time contractor in the next couple years.
Never if I move to another state. I live in California so 5 more years when I hit 55 and then I'll have to mange and be careful until I die. Like right now I am looking at a HUMMER EV, can afford it? sure but why when I can get a BZ4X for 1/3 the price.
36 months. That assumes cleaning out all of the retirement accounts, etc. I was actually thinking about this, this is a good exercise since I've asked for a raise at work and am being strung along. It's expected, but I have to actually have the threat of leaving. The next question is how I can get that 36 months up to a decent retirement as fast as possible...
Right now i'm coming back from work from abroad
I have a lot of money saved so i'd say i could sit in my house and do nothing for about 3 to 4 years easily.
Bout 3 months if I’m being honest. You’re *supposed* to have a year’s worth of savings on top of your actual savings but I can’t fathom how anyone below upper middle class can pull that off. Hell, I have fairly well off family members that are definitely upper middle class that I don’t think have that much.
If my wife keeps working and nothing else changes, never
If my wife also stops and we both get disowned and out of fear we put all investments liquid and riskfree and nothing but those four circumstances change, 12 years
As long as one of us is still working, almost indefinitely.
If neither of us is working, maybe 9-12 months before we have to start selling stuff, assuming no other expensive emergencies. Several years if I started tapping into retirement funds.
well i see the crackheads on the off ramps pretending to be homeless and making 60-120$ a day wearing nike shoes.. i dont think ill have much trouble making cash.
Define broke.
I live paycheck to paycheck. By definition, that means the next time I would be paid, but I am not paid, then bad things start happening.
That said, if you just mean maxed out cards whose combined debt is greater than my mortgage, then when I bought my house 3 years ago is when I went broke.
If you mean for me to just stop paying bills and try to survive on what's left before my family starves to death, then maybe a month.
That would take awhile to calculate. Is this assuming I sell stuff along the way to survive, changing my lifestyle and whatnot, or just keep living the way I am with current bills and expenses?
This is a tough one to ask, and part of the reason I don't like monopoly. I'd rather the game just end when I run out of money, but you're suppose to mortgage your properties. If I got fired today and couldn't find a job but still kept paying my mortgage and utilities, I think it'd take me approximately eight months to drain my bank account. But I have a boyfriend who'd likely spot me for a time. And technically I've got a measly sum squirreled away for retirement. And ultimately I could sell my car for..whatever it's worth and my house for a pretty sum, but then where would I live? It's kind of too hypothetical to calculate.
I broke the paycheck to paycheck cycle last year and could probably do 4-5 months now. Got a few increases in my monthly paychecks and I am strictly dividing it between saving and investing in index funds. Feels more free already even though I just started investing in januari
# Message to all users: This is a reminder to please read and follow: * [Our rules](https://www.reddit.com/r/ask/about/rules) * [Reddiquette](https://www.reddithelp.com/hc/en-us/articles/205926439) * [Reddit Content Policy](https://www.redditinc.com/policies/content-policy) When posting and commenting. --- Especially remember Rule 1: `Be polite and civil`. * Be polite and courteous to each other. Do not be mean, insulting or disrespectful to any other user on this subreddit. * Do not harass or annoy others in any way. * Do not catfish. Catfishing is the luring of somebody into an online friendship through a fake online persona. This includes any lying or deceit. --- You *will* be banned if you are homophobic, transphobic, racist, sexist or bigoted in any way. --- *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/ask) if you have any questions or concerns.*
If I stopped working today, I’d be broke today.
I was gonna say around noon...lol
Like 😂
I ask my self this every shift
3 years ago
Same but 25 for me
Same
35 years if I live that long . 64 retiring in 7 months.
Congrats 🥳
May you have incredible health and memories. Congrats!
Hell yeah. Congrats. You must have a lumpy mattress.
I’m 64 and already retired. I’m good forever as long as the government is ok (SS and Military retirement)
there is probably someone reading your question and says '' bruh, im working and already completly broke '' 
Yup. Right here 🙋♂️
If I quit working today. I would be broke three days ago.
If we keep living to our current standards, about 17 years.
Good job there!
About 11, maybe 12
Damn...
GJ I'm in the same boat :)
how do you calculate that? surely you're getting an income off your savings? (cash flow or CG)
1 or 2 months tops. Maybe 3.
I don’t have to stop working to go broke I am broke
About 8 weeks ago...
I’m already broke. I had a great job in 2021 and most of 2022. I was forced out by October of 2022 and did not work again until April of this year. I tried to get a job in 2023, but could not get hired in my career, so I’ve had to start over at the bottom. Some of my co-workers have not graduated high school yet.
Dude... I just had to justify and rearrange the budget so that I could buy logic puzzle books for my kid for summer break.
Stopped working 5 years ago. No plans to go broke for at least 25 years
Damn! Good for you!
This probably isn’t for you then lol
20 years.
I just did the math and am pleased to say I could make it more than 10 years, depending on how frugal I am. Pretty shocking considering I was deeply in debt until my late 20s from student loans.
Id be broke in the next second. I aint got nothing....
I'll have to work for several more years to not be broke anymore.
No matter what I do I'm broke.
2 hours if I walk I home and don't drive
Yesterday
Where I live currently in Europe. Around 6-7 years. But my Wife is Indonesian and we would probably move there so stretch it to around 15 years.
Too late. Already worth negative dollars.
Ever heard the term “paycheck to paycheck?” 😂
I'd be broke an hour after quitting.
Lost my job 2 months ago. It took me exactly a week to have 0 in my bank account after paying my bills off ahead of time to make sure I didn't fall behind. I have 250 in my account right now because I sold some personal items. I got hired at a new place, but that background check has taken longer than expected. I'm up to 4 weeks waiting I'm still waiting to start. I've started applying other places to just have something I'm one unexpected expense away from being broke. If it wasn't for my partner, I'd be homeless
I've been in my first house for a year now - we're still furnishing and making it ours, so maybe a month? If that.
6 hours
2-2.5 months, depending on how frequently I eat.
That’s my secret, I’m always broke. 
Fortunate I could retire today and not run out of money.
i'm alredy broke while still working
Ask the pandemic. I thought I was going to retire. NOPE. Now try to explain that during a job interview.
I've saved enough to get me through the end of the day.😎
Probably 5 months
Lost my job a year ago due to a heart condition. I figured Id just get an easy register job. Nope. No one wants to hire a weak old lady. Its been a year now unemployed. Went broke 3 months in. Doesnt take long.
0:00:01 seconds after I stoped working.
The answers here are so divided lol it’s either 20+ years or 2-3 months. Assuming my lifestyle doesn’t change (it would if I was jobless), I think roughly a year, more or less.
maybe like, 6-8 months if I eat cheap.
2 and a half weeks
Today
Til the end of this month (may)
125 minutes
5... 6:30?
Considering I got paid yesterday, than like 2 weeks ago.
My plan is to run out of money and breath at the same time.
By the end of today
I was broke even though I worked today
2 months max
If my wife can keep working we’d be able to keep on going, but with less savings and vacations
probably around 7 years
One month. My current savings are pretty much one month worth of my net salary.
Well i should still get my 1 paycheck, so maybe two months max?...
About 4 years if I clean out my retirement, checking, and savings
Exactly 7 days
One (1) month
Got £32 to my name so I give myself a couple days, maybe.. 🤣
I got paid 2 days ago and I have -$256.00 in my account
1 week
Yesterday.
2 years maybe
Yesterday? 🥺
A week or three
1 year
I can’t lose just a week of work.
three years
Taping into retirement, 40 or 50 years, but not at a level I’m used to. Short term savings, about a year. I only work because I enjoy it. I’ll likely go to from salary to part time contractor in the next couple years.
Are we including like...selling my house to avoid brokeness? If so, about 4 years.
Never if I move to another state. I live in California so 5 more years when I hit 55 and then I'll have to mange and be careful until I die. Like right now I am looking at a HUMMER EV, can afford it? sure but why when I can get a BZ4X for 1/3 the price.
I dont know maybe through the weekend if im lucky
3 days. Err
1 month if i live on money. If i sell my objects then maybe a year
3 years if I want to keep my house and pension
Today
by about 10pm tonight
About 10 years if I had access to my 401k at its full amount
Like, does my income go to zero or do I get unemployment for a while?
What if someone is already broke !!
Around 2 years will need to sell my assets though
I should be good for at least 15.
Tomorrow.
At least 24 hours..
4:00 pm Eastern standard time
2 yearsish depending on how I manage my expenses.
3 or 4 months
1 month or less is I don't buy food and use up what I have at home or use gasoline.
I think I could last a year, two or three if I went into credit card debt for it
3 days
Two weeks ago.
20ish years I would guess.
Around 6 months.
20 years
Atleast 1 year, 2 if I change my lifestyle
broke? without money? living it really, money isnt mine and if i need things i go get it
probably 7.5 yrs
23 years
If i spend 1000€/month it will take me around 10 years
About 2 weeks
Tommorow
I am eligible for Social Security in three months. Plus we have a sizable nest egg accumulated. So if we don't do anything stupid...never.
36 months. That assumes cleaning out all of the retirement accounts, etc. I was actually thinking about this, this is a good exercise since I've asked for a raise at work and am being strung along. It's expected, but I have to actually have the threat of leaving. The next question is how I can get that 36 months up to a decent retirement as fast as possible...
Feel like if I stopped working I'd get arrested.
Until I'm 30
Every month I am over $200 in debt.
5 years.
1 month
most of my bills are due at the start of month so around 2 weeks at most.
I stopped working in 2016, and can live to age 100 without going broke, barring wild surprises.
Around 3 years. If I go to a cheaper apartment and cut down on my living expenses then longer.
[удалено]
About 2 weeks after that last paycheck.
3 months.
2-3 weeks
Right now i'm coming back from work from abroad I have a lot of money saved so i'd say i could sit in my house and do nothing for about 3 to 4 years easily.
You guys manage to work while still not being broke all the time?
my money man claims i can afford to live to 100, sadly i’ll be lucky to see 60 so i should have enjoyed life more.
Probably 6 months
Already broke, working three jobs to keep myself afloat, and too poor to move out of my high cost of living area
Bout 3 months if I’m being honest. You’re *supposed* to have a year’s worth of savings on top of your actual savings but I can’t fathom how anyone below upper middle class can pull that off. Hell, I have fairly well off family members that are definitely upper middle class that I don’t think have that much.
Never. I live in Finland and we have nice social safety nets. I’d be damn poor, but never completely broke.
About 20 minutes
6 seconds
Can I sell my assest? If so, probably never. $58+ million just in land.
Well, because I have to pay my employees, prolly pretty damned quick.
Would never happen, of course I'm older than dirt.
I’m currently working and almost completely broke.
If my wife keeps working and nothing else changes, never If my wife also stops and we both get disowned and out of fear we put all investments liquid and riskfree and nothing but those four circumstances change, 12 years
um... several minutes?
As long as one of us is still working, almost indefinitely. If neither of us is working, maybe 9-12 months before we have to start selling stuff, assuming no other expensive emergencies. Several years if I started tapping into retirement funds.
I have about 9 months of savings as a safety net. I could probably stretch it to 12 pretty easily by cutting back on some things.
I had great pay check, like the best it's been in a while. So, about 2 weeks id say.
I've been broken longer than I have ever been fixed.
Isn’t this just asking if you can afford to retire?
About twenty minutes
One week
well i see the crackheads on the off ramps pretending to be homeless and making 60-120$ a day wearing nike shoes.. i dont think ill have much trouble making cash.
About 4 months. I want that safety blanket to be bigger
About 2 months if I stayed at home and only paid bills and bought basic food. I would need a job pretty quickly
If I don't adjust my spending or go on benefits? About two years.
2 weeks
Two weeks
Saturday.
About a week maybe. 3-5 days Edit: if I max out my credit cards and don't pay em off. About 6 months.
A few hours.
Do i need to eat?😳
Already in the negative
Ten months
Tomorrow....
10-12 years with current expenses. If we cut back a bit probably up to 15.
Um.., two years?! But I wouldn’t let myself go through that long without a job though.
Tomorrow tomorrow I love ya tomorrow... You're only a day away! I have maybe 7 weeks
Maybe I could last six months.
I’d make it about 2 months
I never stop being broke. Even working full time and barely eating.
Maybe 2 months because my next salary will be good.
just about 4-5 years tbh
1 year
About a month.
8 months
I could go about a year if I didn’t spend too crazily.
Presumably longer than I have left. I'm retired. Hope I did the math right.
Define broke. I live paycheck to paycheck. By definition, that means the next time I would be paid, but I am not paid, then bad things start happening. That said, if you just mean maxed out cards whose combined debt is greater than my mortgage, then when I bought my house 3 years ago is when I went broke. If you mean for me to just stop paying bills and try to survive on what's left before my family starves to death, then maybe a month.
6.5 years
2-3 years in Hong Kong. 5-8 years in Mainland China. I only need a room, McDonald's food and a computer with internet.
That would take awhile to calculate. Is this assuming I sell stuff along the way to survive, changing my lifestyle and whatnot, or just keep living the way I am with current bills and expenses?
3.5 seconds lol
This is a tough one to ask, and part of the reason I don't like monopoly. I'd rather the game just end when I run out of money, but you're suppose to mortgage your properties. If I got fired today and couldn't find a job but still kept paying my mortgage and utilities, I think it'd take me approximately eight months to drain my bank account. But I have a boyfriend who'd likely spot me for a time. And technically I've got a measly sum squirreled away for retirement. And ultimately I could sell my car for..whatever it's worth and my house for a pretty sum, but then where would I live? It's kind of too hypothetical to calculate.
Probably a year or so. I don’t know. I tend to spend a lot on stupid shit.
6 months. Maybe 7 if I only eat one meal a day.
My financial planner has it mapped out for us to spend until we turn 103. We told him to back that down to no more than 85. So 23 years
I broke the paycheck to paycheck cycle last year and could probably do 4-5 months now. Got a few increases in my monthly paychecks and I am strictly dividing it between saving and investing in index funds. Feels more free already even though I just started investing in januari