When I was young (0-2 and 4-7), my family lived in a remote part of Alaska where we needed very little money and correspondingly earned very little money (~$3k/year for a family of 4). But we lived like kings, with hundreds of square miles for just us, moving around between different cabins my dad and a couple other people had built on a whim (public land, acceptable at the time), fishing and eating wild game as we pleased. Then we moved to the city because land regulations had changed and so that my younger brother and I would have more contact with people. I don't view either of these decisions as irresponsible.
Pretty much at the worst possible time, shortly after moving, my brother had some serious asthma issues (several emergency room visits), but of course we had no health insurance at that time. It took several years to recover from that debt despite long hours (e.g. 90+ hour weeks in wildfire) and good budgeting. Both my parents have Masters degrees and professional jobs now, but these kind of scenarios happen, it's not always laziness or poor fiscal planning.
Pretty much at the worst possible time, shortly after moving, my brother had some serious asthma issues (several emergency room visits), but of course we had no health insurance at that time. It took several years to recover from that debt despite long hours (e.g. 90+ hour weeks in wildfire) and good budgeting. Both my parents have Masters degrees and professional jobs now, but these kind of scenarios happen, it's not always laziness or poor fiscal planning.