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[quote=Anonymous]OP, I agree with you 100%. Most of the people you describe are just idiots and spend too much money.

Unlike most of the PPs, I am not sympathetic to them at all. I come from a very poor part of the US and this is how most people there act - no savings, paycheck-to-paycheck, and constantly talking about how it's someone else's fault that they can't cover expenses. All while paying for smartphones, cable, new cars, etc.

Most of the people in DC have this pauper mentality. They sneer at the people making prudent financial decisions and then whine that they can't make ends meet when something bad happens. Well, that's the whole point of savings - to provide for times you need extra money.

DH and I make about 50% of some of our friends who are Govt attorneys, have a kid, a house in Arlington, and still have managed to save plenty in our emergency fund. This wasn't thanks to some magical financial education (again, I am from a poor place and my parents both worked blue-collar jobs and weren't financially wise). The difference is having some damn discipline and not being obsessed with keeping up with the Jones'.

That said, I have tremendous sympathy for those who are in dire straits sue to medical costs. The system is broken and lots of good, disciplined people get hurt by it.[/quote]

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