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> They have time > work more hours

Work hours are not usually the issue. It is the wasted hours on all the things where a high earner can trade $ for time, versus the poor person that need to use an hour to save a dollar of cost.

Upper-income earners have different choices than the poor. Travel choices - Uber versus the bus, a car that works versus an clunker that costs maintenance and heavy breakdown side-effects. Appliances save time: dishwashers, your own washing machine, and a clothes dryer. A comfortable bed in a quiet and safe neighbourhood with helpful neighbours. Upper-income earners can buy services that give them time: cleaning, takeaways instead of cooking, supermarket delivery, childcare, massages or other re-energisers, good healthcare, yada yada yada.

When you get $40 dollars disposable in your pocket after household expenses for 40 hours work (ignoring travel), spending an hour to save a dollar is sensible.

Ideally if they worked an extra marginal hour, they would get a large marginal increase in disposable income. Somehow that doesn’t seem to work in reality (for many reasons, sometimes perverse government incentives).

One commonality amongst the less-well-off people I know, is that they are all tired. They can’t decide to spend another hour at their job because they are physically and mentally drained after a days physical work, and dealing with stressful people/children all day. Doing an hour on something different can make perfect sense to “earn” their $1.

I am not disagreeing with your main point - I do also see my friends spend their time and money poorly (in my opinion from an outside viewpoint).



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