Where I'm coming from is that I know several people who earn just enough to get by for a while, and then walk off the job. A lot of them have no initiative, and no work ethic. The same folks didn't apply themselves in school. Some are just lazy. Others have bad attitudes.
They also make poor choices related to cigs, children, etc. and waste a lot of money. There are also people who work very hard, and can't get ahead, due to a lack of education or skills.
To explain what I mean, I want to tell you about something that happened to my 1st cousin a couple of weeks ago. He works at a used car lot. A man came in with a big envelope containing over $100,000 in cash. He bought 3 trucks from my cousin, and 5 additional vehicles for himself and his family at other car lots.
The man had received $170,000 as a settlement for a tractor accident. To his credit, he paid his hospital bill of $69,000+. That may have been a requirement of the settlement. I don't know.
Before buying the cars and trucks, he asked the owner of the house he rented with his parents about buying the house. The owner told him it would be "in the 30's. That means that they lived in a $30 something thousand dollar house.
A couple of days later, he offered the owner $30,000 for the house, and the owner said he wanted $35,000. The man then got into an argument with the owner over the price because he said "you told me $30,000." The owner said "I said IN the 30's. I want 35. To make a long story short, the mother, the father, and the man all cussed out the owner who then evicted them. He now has to sell one of his 8 cars to have the money to move. He went through 100 grand in a week, and he is once again broke, and having to move. He will always be poor.