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I have friends like this too. I was talking to a friend of mine recently. Her and her husband make about 50% more than I do combined. They've never had a budget, they have no idea what the other one makes, what gets saved, anything. They have no investments to speak of, just an anemic 401k and a savings account. My wife has a friend very similar, with a 3 income, multi generational household that might be bringing in 80-100% more than we do, which similarly has no savings. Nothing. Nada. Truck breaks down and out comes the credit card to pay for the fix.
I've budgeted, saved and invested my entire life. I've never had a bonkers salary, just a relatively regular middle class income (for my area), that's admittedly rather high cost of living. I have a single income household with my wife staying home and raising our kid. I turned 40 last year, and my net worth hit 7 figures, partially thanks to diligence and 20 years of saving, partially due to getting very lucky on several things. Although the effects of that luck probably accounted for only 20% of that accumulated net worth.
But frankly, it seems that my wife and I are the only people we know who live like this. We don't know anyone else with so much as a written budget, much less aggressive thriftiness and savings. It seems most people just thoughtlessly live hand to mouth, money comes, money goes, who even really knows where.
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