All the paycheck to paycheck people I know are literally taking out loans to buy $2.5k MacBooks which they mistreat and break within a year only to buy another one.. They go through $1k iPhones and Samsung phones every couple of months due to cracked screens and have new car loans of $650 per month which they completely trash.
Seems you know only a certain type of people. I know or have met quite a few people who almost every month worry how to get food on the table or what to do if their old beat up car breaks down.
Food is Max $150-$200 per month and a decent working car can be had for less than $2k, which can easily be afforded on even a McDonald's job, which is mostly just a socializing group. I am friends with several fast food workers and they are too busy having sex with their coworkers and partying to be concerned with any of this.
I am friends with lots of people of all types including doctors, lawyers, construction workers, programmers, day care providers, you name it, and have met many more. All of them that live paycheck to paycheck are like this, just my observations. Anyone not living paycheck to paycheck is usually much more responsible, "boring" and is capable of planning more than a week in advance, but it's not hard at all. Even when trying to educate these people they do not really take it to heart and will go out and waste $200 in a night of drinking after getting their paycheck.
I totally agree that if a doctor, lawyer or programmer lives paycheck to paycheck there is a problem with their financial habits. But there are plenty of other people who are very frugal but never can get ahead because their pay is very low or maybe they have medical problems that eat up their disposable income.
You created a new account just to share with us that you congregate with irresponsible people? You are aware that the world spans far wider than the circle of people you know, right? And that they're not representative of the working class of this country, right?
