And by editing your comment, you've completely changed your argument. Well played. In my original - and still unedited - comment I said: "cutting out all the n

And by editing your comment, you've completely changed your argument. Well played. In my original - and still unedited - comment I said: "cutting out all the non-necessities for a few years to stabilize and build a little savings is a great thing everyone should be encouraged to do." It's not about "not welcome to..." anything, it's about making hard choices for a while to have better options in the future.