Good post. I read recently that most Americans don't have 500.00 bucks in the bank. Which means me, who is disabled and works only part time and makes a whopiing 25K a year is doing better than most. When I got my part time job I decided I would live the same. And mostly I do. Crypto has also helped me. I like knowing I have savings. I like knowing I can handle that next dental crisis. I can take that vacation if I save. In the long run I do more. I travel more. I just don't spend on unnecessary things. At least I try. And let's face it they are EVERYWHERE. I'm all for a free market but how many types of cereal do we really need?