4 minutes reading time
Warning: Yet another shitpost
Dear Bastards,
Everyone loves to sermonize about “saving.” It’s the secular catechism of capitalism: skip the coffee, stack the cash, salvation will come via compound interest. Cute story. But like most fairy tales, it’s convenient propaganda that keeps you docile while the machine skims your blood. By saving, I mean money, not your crappy Word doc.
Here’s the punchline they never print on the pamphlet: if you’re carrying high‑interest debt, “saving” is just a polite way of burning money for your bank’s entertainment. You earn 3–6% in a savings account on a good day, while your loans can slurp 20–40% or more. Much more for people like us who had to buy at kandhu vatti, meter vatti, thandal, bullet vatti, etc. That spread is not a “discipline problem.” It’s extraction.
Math, because reality doesn’t care about motivational posters
That’s not “financial prudence.” That’s tribute. Ritual. A tiny daily sacrifice to the gods of balance sheets. They call it “discipline” so you’ll blame yourself instead of the structure.
Now, that's if you are middle class. but if you a fucking peasant, the APR goes 300+. It's so fucking funny that Under the Tamil Nadu Money-Lenders Act, 1957. the maximum allowable interest rate is 9% (for secured loans) and 12% (for unsecured loans) per annum simple interest. Any interest rate charged above these prescribed limits is legally defined as "exorbitant interest" and is entirely prohibited. But we fucking know the reality. The irony is, most of the people exploiting are fucking Government recognised money lenders.
▓▓ some names and numbers are redacted to protect the guilty ▓▓
Years ago, a well‑meaning clown brigade told a broke friend to “keep saving” while he drowned in revolving debt. Why would you “invest” at 4% while paying 30–40% on the other side? Because sermons are easier than systems, that’s why.
“But saving builds habits.” Sure. So does banging your head against a wall. Habits aren’t holy; outcomes matter. Start by stabbing the highest‑interest vampire first (see debt avalanche; if your brain needs dopamine hits, use the snowball and lie to yourself strategically). Then, when the bleeding slows, build a small emergency moat, because most people can’t take a punch: the murican Fed’s survey shows many can’t cover a modest surprise bill (SHED). That’s not a personal failing; it’s the design. Read the World Inequality Report and tell me this is about coffee.
The condom analogy, since you degenerates need pictures: condoms are great for sex, not for taking a piss. Use the right protection for the right risk. Savings protect you from random life shrapnel; they don’t protect you from a 300% APR chainsaw. For that, you need to turn the chainsaw off. But mostly we can't. These lenders would never want to let people go off hook and become debt free.
Practical heresy for the devout savers:
If you want a sermon, go to church. If you want to survive, read the footnotes.
And for the old‑school among you: “நிலையாமை எல்லாம் உலகு.” Try saving that.
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