He was middle class but expected to spend money he didn't have
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/u/AlfredicEnglishRules gives a detailed summary above, but Scrooge had a hard life and what tipped him over the edge was his fiancée leaving him because he'd become a workaholic. I think most modern versions of the tale leave out a good chunk of the tales from the Ghost of Christmas Past for time or age-appropriateness, but the full tale is way better than the abridged version you see today.