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That, unfortunately, kind of comes with the territory of a site where most users likely don't face those issues on a daily basis. I, fortunately, can say that I'm privilaged enough to have not faced the scenario described in the article, though through work over the years I've gotten to know a number of people in a very similar situation. You get a minimum wage job, say at a grocery store, because, well, you literally have no other options. You couldn't focus in high school, maybe you dealt with drug issues, had ADHD, got pregnant in a family that wouldn't permit abortion (or in one of the many states where you have to drive hundreds of miles, have multiple appointments on separate days, and jump through a variety of other hoops). By the time you're in your 20s, you have no high school education and even if you want to turn your life around you need to put in extensive effort to, say, get a GED, go to community college, etc. All while working full time in order to just have food on the table and, if you're lucky enough to have moved away from your parents, a roof over your head. With the job itself it becomes tough. Say you make $400 a week before taxes working $10 bucks an hour at a grocery store. A fair chunk of that is going to go towards food, and frankly that's not going to be very healthy food for the amount of money you're able to spend and the time you have to prepare it. You've then got to spend 10% of that every couple weeks so you have enough gas to get to work, probably payments on a cheap used car (and numerous repairs that will likely have to come on credit), rent, cigarettes (its an addiction, keep that in mind) and god knows what random medical or accidental expenses come up will eat up pretty much the rest. IF you're lucky you might be able to put a few bucks in a savings account, but chances are when you have those accidental expenses you'll want to use some of those savings just so you don't have to put it all on credit and add more to your reoccurring expenses. To make matters worse, you have very little control over when you actually work. Most minimum wage employers give you a two week schedule at most, sometimes just a one week, often determine how many hours you have with that short of notice, and have wildly different hours. Working at a Safeway recently I dealt with, say, 35 hours during the week, some late night shifts from 3:00pm-11:30, but then eight hours later being called back in to help open at 7:30 (yes, they can do that). Further, that store only did one week scheduling, so you wouldn't even know until Thursday if you were working THAT UPCOMING SUNDAY. And furthermore they frequently took advantage of loopholes in the contract to have their employees working six, seven, eight, sometimes even ten days straight with such irregular hours. The ability to sign up for classes, make it a regular routine to, say, learn some new skill, becomes winnowed down to nothing. To make matters worse, you have little opportunity to move somewhere where there might be better opportunities. There's a reason wealthier people are much more likely to move away. You need a deposit plus first and last months rent anywhere new you're moving, but with how little you're able to save that's a huge burden to come up with. Furthermore, the sheer cost of moving, usually in the order of thousands of dollars, is even greater. Plus, if you do chose to do that, you're leaving the only real support network you may be lucky enough to have: your family. So before those in this comment thread disdain them for making the choice, however illogical, to try and have some sense of normalcy in their lives (or at least the normalcy projected ad nauseum by the American media and in the ad campaigns of the very places they're working), consider the sort of stress they're already under. |
I would add that you need not to have ADHD, drug problems or gotten pregnant as a disadvantage: you might just come from a social/family background that encourages you to take a job as soon as you finish high school and you get stuck at you minimum wage job.
Then when your life becomes what sheltgor described, you don't have any perspective in your job, you can't afford moving or holidays. At that point you are used to not having much but you still want to spend it as you wish. Anyway what is the point of giving much into savings if you can't enjoy your life ? That's when the spending might get irrational (paying more for less, smoking, etc.).