OR NOT BOTHERING TO WORK!
Most often, it is those who are living ABOVE THEIR MEANS!
If you make $80K a year, but you live in a $2600 a month home, you better have a nice illegal drug business on the side! Otherwise, when the economy tanks or taxes go up or anything else, you will be HOMELESS!
And yes, I know some of these idiots - actually SEVERAL of them! They aren’t “broke” because wages aren’t keeping up, they are broke because they are STUPID and can’t do basic math!
Even including those who aren’t employed, I don’t think you get near half...unless perhaps also including children each being able to afford rent and food on their own.