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					Originally Posted by  kutulu
					 
				 
				If they just stopped all that frivolous spending they'd have no problems making ends meet on 30k or less per year. 
			
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 There's gotta be some unstated caveat here, like 'families with children' or 'massive medical bills'. If a single person with unexciting problems can't find a comfortable buffer zone with 30k a year, then yeah, frivolous spending is probably the culprit.