[TeMPOraL]

That's true, and I know this from first-hand experience. Having an unstable financial situation, constant worrying about how to support 4 people and pay off debts pretty much shuts down your ability to do anything creative. It didn't stop me from having ideas, it didn't even stop me from starting to work on them - but it always stopped me from advancing on them - either because lack of money for required components, or being too stressed out worrying to focus on doing the theoretical/software work. So in the end I ended up opting for watching stuff and reading books as a way to tune down before another day of struggle.

And yes, I am a programmer. You can end up in shit as one too. I made some bad work choices before and ended up pretty much not being paid for half a year.

[goldfeld]

I think especially because us programmers can get high salaries early on, divorced from both having to save and from the experience of handling money well, we can fall hard. I also speak from personal experience :)/:(