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but they could manage by getting rid of cell phones, cable, eating out, entertainment and learning to cook more prudent meals at home.

Quote by Marie in the movie "The Jerk" after they lost all their money:

Marie: I don't care about losing all the money. It's losing all the stuff.

One of my wife's brothers was hitting me up for a $100G loan. Says he needed it to get by. Of course I said no. He always traveled first class on planes. Season tickets to the Giants and Sharks games. He, his wife and kids traveled extensively to the best hotels, and ate continuously at restaurants, and were in debt dozens of ways. Me, my wife and kids always tried to save money, and spent sparingly and have no debt whatsoever. Well he and his wife went bankrupt, and they still go to restaurants and stores every day. And of course, complain continuously about their bad luck of being poor. Well, it ain't bad luck if someone is a moron.