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The other issue is poor planning, people just don't prepare for hard times. Many live in middle class, have cable, cell phones, eat out, spend spend spend, but don't save a dime. We're a nation or culture that promotes spending, not planning. I think we should add a class to high school that teaches finance at a usable level.
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This. We're a culture that lives beyond our means.
If you want real poverty, go to Africa.