I've become someone who never believes 99% of the complaints of the people around me when it comes to money problems. I've watched their spending habits and if it isn't all garbage like beer & weed, it's stupid crap to stick on their shelves, or overly expensive restaurants & bars "for the experience."

They are all grasshoppers reveling in the summer sun, with nary a thought of the inevitable winter on its way. That first chill wind blows through and suddenly they demand everyone else take care of them.