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People who can not manage their money... I realize that this is sort of a personal nitpick and that it does nothing to invalidate your central claim, but when

People who can not manage their money... I realize that this is sort of a personal nitpick and that it does nothing to invalidate your central claim, but when you make minimum wage and your car breaks down there's not really any money to manage. The thing about living paycheck to paycheck is that unexpected expenses are insuperable (by definition).

chc 16y ago
As far as I know, most people who live paycheck-to-paycheck are not in that situation because they have simply not yet succeeded in their repeated, rational and wholehearted attempts to improve their situation. Most are there because they don't know how to get and hold onto money.