In one small portion I don't feel bad for some people's financial stuggles, some I do, but some I don't.
I've always believed that people use credit cards too frequently for general shopping, bying material stuff. The crass consumerism problem. It seems lots of people are not wlling to limit how much they spend for where they live, like get a mortgage and then rent out a room to help pay, no, find a cheaper place that might not look as nice.
Limit spending for outings and entertainment, buy a cheaper phone or keep it longer. Don't buy a new car if not sending money at mechanic on a consistant basis. Don't rely on restaurants and Starbucks so much. Bring food from home to work everyday, if that looks too poor that says everything about the people with that pretentious attitude.
There's freedom in restricting spending to only what I person has the cash to spend on without ever using credit cards at stores.
If all bills and expenses are always paid every month plus still have $100 in the bank and don't need to buy anything, other people's opinions are worthless.