Dear Uncle Sam,
I got to work today and I opened an email discussing the changes that would be taking place in regard to the healthcare plans available at my job. After reading the new policies it naturally led me to think about exactly how much money this was going to cost me. Now you know a ninjas first instinct is “Man F*CK that health insurance! YOLO!”, okay maybe that’s an inappropriate scenario to use YOLO, nonetheless, my black ass didn’t want to pay for it. But seeing as I’ve been uninsured for over six months I went with better judgement, and caved to the pressure of the hundreds of dollars I will pay per year just to have the safety net that we call health care.
This frustration immediately put me in one of my “F*CK America” moods, and made me think about all of the bullsh!t expenses that I have to pay on a regular basis, like social security, taxes, and student loans. I don’t know about everyone else, but quite frankly I’m tired of giving you a quarter of my check every other week. I’m all for being a contributing member of society, but damn you gotta take 1/4 of my bread?!? Forget a tax rebate, n!ggas got bills to pay! I feel like I’m in a damn JG Wentworth commercial *Puts head out of window and screams* It’s MY moneyyy, and I need it NOW!
Then I get even more upset when I have to make that payment to Great Lakes at the beginning of the month. Earlier this month I made the mistake of looking to see how much of my payment actually went toward the principal and not toward the interest, smh calling that a bad move is an understatement. Maybe I’m trippin’, but I think it’s wild that one out of my FOUR loan payments is $100 every month, but only $20 goes toward the principal and $80 of it goes toward interest. What in thee entire HELL is going on?!? SCAM, SCAM I SAY! I want my damn money back!
The older I get the more I feel like everything is a scam. Even college to a certain extent. Don’t get me wrong, I do believe that everyone should pursue higher education, or an education of some sort, but I do feel as if the system is flawed. Here’s how I see it:
We go to your 4 year school and take out X amount of student loans, with the price of college increasing exponentially every year. Now hopefully we end up at a good public institution and not a private college because then we’ll be paying XX,XXX amount in loans. Then we may decide to go on and pursue a graduate degree, which is an additional X amount in loans, unless we pursue our Ph.D and are fortunate enough to get funding. So fast-forward 4 – 8 years and now we’re in the real world trying to get in on all this money floating around. Since we made the decision to further our education most, if not all, of the jobs we are qualified for will immediately put us in the 25% tax bracket, 28% in 2013. So now we get to make more money — which is a plus — but we also have the privilege of giving even more money to yo greedy ass — which is trash. But again, if we went to a private college or received our Master’s or Ph.D our loans are bound to be upward of 20K, and that’s just the low end. So not only do we have to pay more in taxes, but we have to pay even more in student loans AND interest.
So now let’s say someone gets a salaried position at 40K, and they only really get to take home 30K, but they also have 30K in student loans, how in God’s name are they supposed to pay that off? The numbers don’t add up Unc. Either they’ll be paying them jawnts off for 15 – 20 years, or they’ll be pinching pennies and living broke until they pay them off. Neither of which is a desirable situation. This is why you see so many college grads looking like the epitome of failed dreams and regret. Educated, yet still bound to a life of financial slavery. Again I repeat, scam.
We the people deserve better Uncle Scam. A bachelors degree used to be a prized possession — a meal ticket of sorts — now it’s just a small step up from a high school diploma. You made it so we damn near had to go to college to get a decent job, now we go to school and STILL can’t get jobs. And those of us that are fortunate enough to get a job have to pay you an arm and a leg. It’s a steep price to pay, especially when I’m sure we all know someone sitting at home right now still collecting that unemployment check. You and your money hungry ways have to be stopped.So on behalf of college grads and broke people all across the nation I beg of you, get your hands out of our GOTdamn pockets! Thanks! 🙂
Join the Movement #SQUARES Unite