You would be a bad role model to your kids. They'll grow up thinking that having no retirement, no savings, possibly carrying debt and living paycheck to payche

You would be a bad role model to your kids. They'll grow up thinking that having no retirement, no savings, possibly carrying debt and living paycheck to paycheck is normal. They too might have kids right out of high school and skip going to college - because that's what their parents did. This is how you get generational poverty.