The problem is that most people are not good with money. They get it, they spend it and do not think about where it goes. Most people do not have a written budget each month or keep track of their expenses. They have no idea where their money is going each month.
A lot of people want to live above their means when they first start out. They have a job that pays them more then they have earned before and/or they have a college degree. They feel they have earned a better lifestyle just because they have these things. They do not want to match their lifestyle with their experience in the workforce and their current salary. They do not want to wait to grow their lifestyle as they grow in work experience and salary.
As Dave says: "Live like no one else so you can live like no one else."
Responses are not allowed!