There are just people poor with handling money. It doesn't always take a vice. No budgeting, no saving, paying off credit card debt month after month.
I know guys who will easily spend ~15 bucks on lunch a day while at work, go out to a restaurant/fast food most nights (let's say 20 bucks a night) and then hit the bar on Friday (50 bucks). None of them, by themselves, are too extravagant that you'll have people openly question them.
250 lunches at 15 bucks
365 dinners at 20 bucks
50 bucks a week for Friday drinks.
That's nearly $14,000, after taxes, on something that they don't even bother to think much of.
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