I think most of my readers are middle class. There are different data everywhere about where the middle class starts and what salary starts. But I would do it for myself like this: everything is there, you have a roof over your head, good quality food, and sometimes you can afford to relax outside your city. This is the middle class in my mind. How did the middle class fall into poverty? Let's wait and see.
The first error is to exploit debt. loans, mortgages, payday loans, friends' debts, credit cards, etc. A person may not notice that they live in debts, they can relax, and when they need to repay, they will understand that poverty is already knocking on the door.
Not to mention the fact that there is interest, there is payment date, etc. The more debts, the harder it is to control everything and pay it off on time, so it turns out that a person burys himself in debt. is only poverty left.
The second error is the second option without careful consideration of the work. Unfortunately, many people are losing their jobs now, and there have been many problems in this field over the past three years, and no one has cancelled progress, and some careers have begun to become mediocre and unnecessary.
If you don’t have the desire to be poor, then even if you have a good job, you need to consider the second option. He can improve his major, learn a new language, etc., and do everything possible to create a safe environment for himself.
The third error is that they are trying to reach the top level too quickly. Things just started and then it started, they took a car or a house, they took new equipment and so on, people tried to go straight to the top level, but some things didn't go as planned.
It turns out that cars need repairs and parts can stand for a long time. Yes, even for some services on new devices, you will have to pay for, for example, an app on iPhone or games on expensive consoles.
There is a little bit here and a little bit there, and it turns out that the car needs to be sold, it is best not to use equipment, etc. They want to go to the top level, but it turns out they are in poverty. You must go up smoothly and don't jump.
