I haven’t been to synagogue in years due to expensive dues. My income itself is high, but I am paying off debt (student loans), building my savings, and saving for a vacation. How do people afford it?

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If your synagogue won’t let you in because you don’t pay dues it might be time to find another synagogue.

Our religion is free and making people pay is a form of gate keeping

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I have never been to a synagogue that required dues

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I live in a small city and the only synagogue is similar with the ridiculously high fees. Fortunately there's a Chabad house in my neighborhood and the Rabbi is very laid back (and not pushy unlike the one where I went to school). I'd look and see if there's a Chabad nearby that offers services/a community you are comfortable with

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Is there a free option besides Chabad? I prefer egalitarian minyan.

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Religion is free. Pray at home and find a Chabad!

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What denomination are you? Many synagogues don't demand dues (even if uncomfortable). Also there is often support for people struggling financially when needed.

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Reform

I’ve worked with a number of large reform congregations and I can assure you that if you reach out to the membership director (or engagement director or even the rabbi) at a synagogue where you live they will work with you no matter your budget.

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