I agree words matter. I'm working as a bookkeeper and broke is when you're spending more than you make wether you're making < 22k$/year or > 500k/year. Poverty

I agree words matter. I'm working as a bookkeeper and broke is when you're spending more than you make wether you're making < 22k$/year or > 500k/year. Poverty is a completely different animal. "Sometimes I splurge and make homemade hot cocoa. [...] every week we give to the food bank..." ?? Land-o-Lakes hot cocoa mix is $1 at my local grocery store. What kind of hot cocoa are you making lady?