I know lots of people who have monthly expenses that top their reasonable and well thought out mortgages. Education expenses, alimony, medical insurance/care &

I know lots of people who have monthly expenses that top their reasonable and well thought out mortgages. Education expenses, alimony, medical insurance/care & parental care are all major expenses for people. While I agree with your sentiment that too many people spend money on dumb crap, making broad statements about what everyone should do is a step too far.