There's a pretty large demographic of people making minimum wage or low wages. Some people just aren't responsible with money, they don't budget, they don't li

There's a pretty large demographic of people making minimum wage or low wages. Some people just aren't responsible with money, they don't budget, they don't live within their means, they don't really think or care to look at the expenses or how they add up. If you did a Venn diagram of low wage earners and people who aren't really responsible with their money, those are the people eating at Panera Bread, or buying things from Rent-A-Center or taking out high interest loans and engaging in every sort of behavior that compounds the problems with making low wages.