> (especially the ones who can least afford it) > [...] basic budgeting, retirement savings, not paying random fees, not paying interest, moving spare money to

> (especially the ones who can least afford it) > [...] basic budgeting, retirement savings, not paying random fees, not paying interest, moving spare money to investment accounts every month, rebalancing your investments every quarter, negotiating rents, negotiating your salary. These look like things that are generally unavailable to those who can least afford not doing those things. It's expensive to be poor.