Its incredible what a few threats of force will do to people. Someone living paycheck to paycheck will do whatever it takes to continue that lifestyle.
I always practiced, " Credit is good, but debt is bad " So I have an 811 score, but no debt. I use my air miles, I pay it off before a balance is posted and reap the rewards without paying the usury.
Many people will get into a mortgage, car payments, ect, and their paycheck is gone before they spend it.
My monthly expenses are $450, and my passive is $900 with zero effort. This is what a smart person does in this society. I can also get food stamps/free housing/medical as well.
I made over $180k for several years, and the taxes were horrible. I decided to never let my work profit the entity of government and paid off all debt, and set it up to never earn more than the max untaxxed amount possible.
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