If you think the majority of people who are poor are poor because they spend irresponsibility, you haven’t done the math on how much most jobs pay vs how much it actually costs to live in the modern world.

Those who make more than they need are far more likely to spend their money irresponsibly than those who don’t. And they generally have far more fun doing it & deal with far less stress afterwards.

It’s one thing to be able to buy things you don’t need, it’s another thing entirely to have to sacrifice the quality of your life do it.