I didn ' t downvote you , for what it ' s worth . There are lots of people who legitimately don ' t have margin . I ' m not really speaking about them , but the people I ' ve seen around me who complain that they have no money while they spend thoughtlessly in small amounts on a constant basis , with the attitude that the small expenses are so minor that they don ' t really count . I don ' t think it ' s not a millennial thing , it ' s just a bug in how people perceive costs . But when you combine that blind spot with an attitude of live today , because I can ' t afford tomorrow , that problem compounds a lot . It ' s the same reason that people struggle with weight . A 50100 calorie snack here and there isn ' t significant by itself , so people tend to ignore it in their internal accounting , but over the course of a day or week , those snacks that don ' t count add up into a calorie surplus that results in weight gain , even if the real meals are eaten judiciously .