That’s the point. Financial security is extraordinarily tough to come by so people can’t set aside the money for an emergency fund and invest. It’s not just poor budgeting, everything is getting more expensive for the middle class. Five years ago, my fiancee and I could buy 2 weeks of groceries for $100 at Aldi. Its doubled in that 5 years. Ironically, the most stable consumer good in the last 5 years has been gas and republicans bitch about that too.