But at what point do we start blaming the individual for poor life choices that lead to financial insecurity? Because a lot of the time people just make straight up stupid choices that have lifelong consequences. And this isn't about picking what field to go into. I'm talking about quitting a job when you can't afford to because that job isn't "making you happy" or whatever. Or "I'm not going to invest because I don't trust the stock market". Nevermind that the overall trend of the stock market has been an upward one, despite short term dips. I just can't agree with the mentality that one's destiny is not in their own hands. Can everybody be super-wealthy just because they want to be? No. Is it easy to get wealthy? Definitely not. But by taking the time to sit down and just do some damn life planning and start thinking long term instead of seeking instant gratification, you can carve out a pretty decent life for yourself.