People living above their means is an epidemic. Mostly, it's people trying to look rich, whatever that means, and having poor self-control (high MPC) and poor m

People living above their means is an epidemic. Mostly, it's people trying to look rich, whatever that means, and having poor self-control (high MPC) and poor money management skills. Their income sheet maybe positive, but like most stockbrokers, they don't have a balance sheet to back it up.