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You might be interested in reading Ruby Payne's A Framework For Understanding Poverty. A very interesting read.

One of the salient points I remember concerned how impoverished people spend money, frequently spending it as fast as they made it. The deep-seated emotional reasoning behind that mindset was that if you had already spent it, nobody could take it from you. And unfortunately, internal emotional values almost always trump the external rational.

As a side note, poverty is not necessarily restricted to financial poverty, and I think it is safe to say quite a few here are impoverished to one degree or another.

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