I did say “most” deliberately and clearly. I do have sympathy for those, through no real fault of their own, who have been plagued by plain old bad luck.
But I’d encourage you to examine your financial picture. Do you have cable t.v., or high speed internet? An expensive smart phone plan or just the bare minimum for communication? Do you eat out more than once a week? Drive a new car with a payment?
All of these were considered expensive luxuries only a generation ago.
We have two iPhone 4s models, which are two generations old. My computer is 12 years old.
Both cars are paid for and both and each over a decade old.
We seldom go out to eat.
We don't take vacations.
I spent $258.00 to buy an open box flat screen TV after Christmas to replace the old 1997 era CTR unit we had before. That was really splurging.
I go to a dental college to afford what would have been thousands of dollars in dental bills. My wife is a dental phobe and is going to pour regular dentist today. She put if off for as long as possible, and she has at least a $1,500 bill ahead of her to replace a crown.
All that being said, I can do better. I can and will save money. When you're white, and in your fifties, people just aren't interested in giving you a job no matter how much experience you have in your field. It's just not easy when you no no resources.