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Not a bubble thing. Many people living paycheck to paycheck watch their accounts. They often know everything that’s hitting and on what day, for several days in advance, and what they need to do, or will try to do, to keep it positive. Transportation costs especially.

It’s the same mental power you have, but for a variety of reasons they’re having to apply it to stave off problems instead of to grow their assets as is more typical among software engineers.