Same. The majority of people I know cook at home, don’t even have a credit card let alone use one, have pretty old cars, homes and rentals that should be inexpensive, keep their same phone until it’s unusable. Pretty much every splurge they have is thanks to some amazing deal or find. And each year it gets harder and harder to save anything.

I also know a few people who regularly use food delivery services, live on pop and snack foods, refuse to learn to drive and get a cheap car making them reliant on either me(this is going to stop; I be damned tired) or Uber/Lyft(and they go to and leave from work at a very high traffic time making their rides more expensive), and they can’t seem to figure out why they don’t have any money.

I can see both sides of this coin, but if it is a two-sided coin, the first side I described is much bigger than the second.