Living expenses are only flexible when you have the money to be flexible.
If you're on a low wage, maybe with some kids. You're buying whatever inefficient car, low quality clothes that need replacing more often, a house near your child's school. Having that huge amount of disposable income offers you a lot more luxuries
Yes but it's a touch difficult to keep living expenses below $0, which most people in the developed - let alone developing - world would need to do on their salaries to save the extra $80k/year.
ha, yes. looking back, I don't know how we did it as fast as we did. we kept our expenses low (20-25k/year low) and poured every dollar into the debt. We didn't live in a fancy house or have new cars (beyond when we got in to it with the new car loans).
tone deaf to what? That some people have big problems? That those big problems may be bigger than mine? That sometimes solutions to big problems are hard? That sacrifice for some isn't the same for sacrifice for others?
Or that some people's problems are as big as they are because they fail to recognize the change needed to solve them, or are unwilling to make that change? That often times, people fail to recognize the change needed because it first requires them to acknowledge and take responsibility.
