most of the day i spend with working class salt of the earth people. every once in awhile money comes up in conversation. everyone from general contractors to nurses are living hand to mouth.

paycheck to paycheck there is nothing left at the end of the month to even consider sweeping into bitcoin.

it is a luxury to have more than you spend. the ability to save even a few dollars is rare these days.

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It’s either a luxury, or requires serious discipline and fortitude. Brown bag lunches, old cars, cheap or free vacations. The list goes on.