>by not being an idiot with my money
It was also due to the fact that you were making $80k/year ABOVE your living expenses.
It was also due to the fact that you were making $80k/year ABOVE your living expenses.
If you're on a low wage, maybe with some kids. You're buying whatever inefficient car, low quality clothes that need replacing more often, a house near your child's school. Having that huge amount of disposable income offers you a lot more luxuries
Or that some people's problems are as big as they are because they fail to recognize the change needed to solve them, or are unwilling to make that change? That often times, people fail to recognize the change needed because it first requires them to acknowledge and take responsibility.