Do you really believe someone working multiple jobs to keep a roof over their family's head and has to purchase that refrigerator or pay for car repairs by putting the charges on their credit card has the capacity to save for inevitable "unexpected" expenses?
The State of the American Debt Slaves, Q1 2020: How Are Consumers Positioned Going into the Crisis?
The richest ten percent of Americans are strangling the majority of Americans with eternal debt.
No they're not, give up the cable TV, cell phones, eating in restaurants and other unnecessary expenses. I've been broke before, but I've never been poor. Financial literacy is easily learned by reading a couple of books and the local library has them at no cost. BTW some idiot working multiple jobs probably doesn't have good enough credit to even get a damn credit card. They may be ignorant, but you're just plain stupid.
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