The real horror is that they are not investing in 401k's, real estate (HOME), and are spending $50-$100/day to eat? That's fuzzy math and poor planning.
I’ve heard some people, especially younger people, are having lunch delivered to their offices every day. That sort of thing gets expensive. That sort of habit, along with habits such as going to Starbucks every day, adds up.
People really need to review their budgets, and it should be easy to cut back on certain fluff expenses such as lunch delivery and Starbucks.