I know people that have come out of poverty to live good lives but their desire is so much greater than average it is hard to call it a norm to get out.
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Aside from mental issues, there is no reason why a young single or couple, acting frugally and responsibly, shouldn't be able to get a decent paying job and live very comfortably.
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I just can't get myself to believe that 40% (or so) of the population is irresponsible, but a catch that I can't see. Unless by that you mean spending next to nothing which can work for some people but not for everyone.