[abfan1127]

The deepness of my debt and the steepness of my accent are just variables in the equation.

Many people are 1-2 paychecks away from total disaster, but they never take the step to make a change. It can certainly feel impossible. But the reality is "merely surviving" has a broad usage. I know lots of people that are living paycheck to paycheck, but have the iPhone X.

https://www.daveramsey.com/dave-ramsey-7-baby-steps

[ljm]

I don't know if you're shilling this guy or drank too much of his kool aid but it's still blind to the reality of the situation seen across the entire world. You're talking about your 'equation', which is not the same equation other people are subjected to.