This is defeatist. You can pay off your student loans (I did) and your mortgage (I did). You don't need a smart phone or a phone plan (I have neither) or netflix (also don't have it). Don't accept "the world mandates that I do X" ; create your own path.https://twitter.com/AetiusRF/status/1121162094320259077 …
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So do I. Don't have it to hand, but there's a study on how many Americans could raise $2000 on 30d notice. Any source would do. $2K chosen as a proxy for something expensive happening to your car. Result? A majority couldn't do it. Wait, this gets better ....
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... so then they looked at families with $200K incomes. The richest 3% in the richest country the world has ever seen. 30% of them couldn't do it either. No cash and maxed out credit. This is a choice.
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