I guess my point was more obscure than I expected. My family has reached enough just far enough into comfort that I didn't have to ask *if* we had the money. In the past, we struggled and there were set limits. We're both working, our house has half equity, vehicles are paid off and maintained. Everyone has health insurance, dental, etc. I believe we have 2 active credit accounts, but those are more just f-around expenditures than *needing* credit for daily living.
What I find sad is that is FAR from the norm in this country. Those people in the bottom half won't ever have it that good. Ever. And that is what's wrong with the system. No house to build equity. No money in savings.
I've made the journey from *poor* to not-so-bad. Very few do.
People do waste money on *some* things. Many more things take advantage of their difficult circumstances. Rent. Low wages. Cost of living. Healthcare.
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