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Reply to "Now this is what I have been troubled with for a while.."

I believe that much of this behavior is universal and is the result of a "poverty mentality." By universasl, I mean translates across the racial divide.

When your needs consistently exceed your resources, saving is not even a consideration. Saving can only come when your income exceeds your needs.

Anyone who has spent enough time deferring wants, because their housing, utilities, food, and transportation was greater than or equal to their income, i.e., impoverished, will eventually get to the point where they will begin to forgo needs to satisfy wants. It's human nature.

Having been impoverished, I must admit that on more than one occasion, my phone and/or light bill didn't get paid so that I could get a hair cut and have a night on the town.

Having lived this, the behavior will extend beyond when they are struggling to meet needs.

Saving is a learned behavior that can only be built on the foundation of excess.
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