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Notes -
The word "generally" is doing a non-trivial amount of work. Life happens, I can find many examples of respectable people that don't earn much money. Nonetheless, the median broke guy in the United States is not actually a particularly hard worker that's making all the right choices and just can't get ahead.
Okay, I appreciate the clarification. I think we're in agreement after all. As a very frugal person in a single-income household that's struggling financially, I am frequently shocked and disgusted by the spending habits of people who make almost twice as much as my household and have the gall to say they can't afford a setback of a few thousand dollars. Motherfucker, you go on two cruises a year, just bought a pool, and go out to eat twice a week.
It's because of people like that - and I think that describes the median person quite well - that, despite my financial struggles, I am so deeply skeptical of government financial assistance programs.
I just lament that a lot of people, and apparently some commenters around here, seem to struggle to imagine common scenarios where someone could genuinely be making sound decisions all around and still struggle.
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