Whatever they do, however they live, they aren't saving money, aren't financially stable or robust (i.e. positioned to weather emergencies), and have low materi

Whatever they do, however they live, they aren't saving money, aren't financially stable or robust (i.e. positioned to weather emergencies), and have low material qualities of life. Why dissent while others try to help OP out of a situation where he's in a similar situation and should be making more based on his experience?