Everyone below a certain income starts with insufficient income to go to college, buy a car, go to the dentist, and many other things. Living paycheck to paych

Everyone below a certain income starts with insufficient income to go to college, buy a car, go to the dentist, and many other things. Living paycheck to paycheck is a very real thing, and it only takes a minor circumstance to cause massive debt. You don't even need a credit card to find yourself up to your eyeballs in debt.