Most people are ignorant (lack of knowledge...not necessarily stupid) about money and finances.
Most people learn from their families, and if their families aren't good role models, it may take longer.
My parents weren't frugal, as such....but not crazy with money either.
My oldest brother and wife were frugal , and they were the 'cheapskates' of the family...who very quickly became millionaires.
Thankfully, I paid attention, and learned a lot, basically by osmosis.
Now with internet, and a lot more information on tv, it really is a lot easier.
Our first home was a small mobile, then we built our house, then bought a larger one...we did it in steps.
The later generations, seem to want to start out with the house, their parents own.
Having so much available credit, abundance of fast food, 'buy now, pay later', is drawing a lot of people into huge debt.
Student loans for people who also have no business going...because it was only used to delay going to work.
People never save for anything, it's 'how much is the monthly payment?"
People could stop stressing so easily about their finances.
First step, is to cancel cable,internet and phone.
Don't buy a new vehicle.
Stop eating at restaurants.
Stop smoking and drinking.
Don't spend more than $25 a week groceries for each family member, per week.
Stop throwing away food (having a really low food budget will help with this)
Start using the 3 R- reduce, reuse, recycle.
Pay off your debt.
Now that you don't have tv, you have lots of time to prepare food, do repairs, and read DIY books.
Consider working overtime, or taking a part time job.
