Ok, retard. You don't need to read all of the articles in the world to necessarily understand something. Because you know, you're forgetting that people hear stories from others. They live around others making poor financial decisions. It's called living, do you know that or are you still wolfing down pizza bagels and hot pockets that your mom personally delivers to you in your basement you call a 'mancave'?
Who is paying $1,000 of groceries a month? Who does that? Sounds like poor management to me. Either that or you've inflated the number to sound like you've got a foot of a counterargument that you don't have.
Sounds like you're making up so many incompatible strawmen to make yourself sound smart.