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All this thread proves is that woj was right, and poor planning is the real cause of most financial problems.
I'm reading descriptions like "family of four with a house, a couple of cars" and how a medical bill will destroy them... If you can't afford health insurance then why do you have two cars? Why did you have two kids to begin with if you couldn't afford them and had to "live on the edge"?
The fact is, the average american lives beyond their means. Having your bills paid at the end of the month with no substantial savings is not living within your means, I'm sorry. Most people don't need 80% of the shit they buy, and are irresponsible spenders. Most people can't afford the 2nd or 3rd kid they had.
Hell, the 50% divorce rate is fucked up enough as is. I don't understand how a couple can get married, lock themselves 50/50 into something as big as a house, and then get a divorce a few years later.
The lack of personal responsibility and common sense in the world blows my mind.
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