Thanks, I thought so too! There was a girl who posted on a forum I used to be a member of. She made $30k a year and posted about how "poor" she was. She had a car payment on a Mercedes, would party at clubs a few nights a week, had an "addition" to buying Juicy brand clothing, and lived in her own apartment. She would spend EVERY dollar she made on things, and then charge the rest of her bills and monthly costs on her credit card. She posted about how stressed she was once her credit cards hit a balance of $60,000! Now, most single people could easily live on $30k a year. This girl was way above being in poverty, but was broke due to her lifestyle choices. I've known people who are poor, and have more money in savings than she had in credit card debt! A lot of it comes down to properly budgeting, and knowing what are actually "needs" and what are "wants." Also, planning ahead. Want to get a $10 birthday gift for your kid but only end up with pocket change at the end of the week? Start a piggy bank. Throw that change in there, and you should easily have $10 in 12 months.