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Originally Posted by Ustwo
Until a couple of years ago I was a full time (read poor) student and my wife was a secretary.
We had this revolutionary concept called not living above your means we applied to ourselves.
That equated to crappy cars, no expensive vacations, a moderate appartment, and holding off on starting a family. We weren't perfect with it, and we did start to get a bit of creditcard debt, but oddly the bills were paid and we saved enough of our budget for sudden and unexpected expenses. We also were not working THAT hard, and could have easily held other jobs if we really wanted to.
My sympathy here is nil. Get a freeking job, life owes you nothing.
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Your lucky neither your nor your wife needed expensive long term medical coverage. You know, the kind that's responsible for roughly half of all bankruptcies in america. Living within your means is great, but don't pretend that you weren't lucky to be able to do so.
It doesn't logically follow that everyone is able to do something just because you were able to do it. You should know this already.