I don't get it either. I have a buddy (the one that melted his power meter), that grows commercially, and fine, fine dope at that. And the fucker is ALWAYS broke. BUT.....he lives beyond his means, even with the income he pulls from it.
Some people are lazy, some people can't manage a budget and if they suffer from both, they're fucked. Fuck, I haven't worked in over 2 months now, and all I get is Employment Insurance.
Some people have insurmountable debts that pretty much take 2/3 of their net income before they even see it......some more like 110% of their net income......bouncing debt from credit card to credit card, to Money Mart style businesses. Paying ridiculous interest on payday loans, which just make it harder the next check to get ahead.
I told myself years ago I wouldn't get a credit card until I could manage cash on hand. Didn't get a credit card until I was 28 years old, and only 500$ limit. Now, I am up to 5000$ limit, but I could EASILY go get my self a Platinum card.....becuase I learned how to keep myself from digging a hole I can't get out of. The bank keeps trying to upsell me on credit cards, but I refuse, until I KNOW I can reasonably handle the next limit level.
I rent.....I have 2 places. I rent a bachelor suite in the Okanagan Valley, as well, I rent a house up Northern BC where I work. The economic crash basically had zero effect on me.....I own 2 vehicles...no payments.
From what I see, too many people just start them selves off too deep in debt, and it ends up being a constant up hill battle. Add weed consumption to the expenses, and BOOM............they're flat broke.
And finally, I did notice that people (noobs) want to spend the least amount possible, and they are anxious and cut corners. I'd rather spend the money up front, but unfortunately, that's not an option for everyone.
Here's a toke for my broke stoner friends......