"bite the bullet and max out a credit card?" 

Gruss, I don't think you and I are talking about the same kind of broke. What 
if you don't have a credit card? It's not very common at that wage level, you 
know. Which is why I don't really believe your self-made man spiel; the details 
indicate that you have not walked the walk. 

But hey, if it makes you feel good to point fingers, who am I to stand in your 
way.

Dana

>Well, because I used to know LOTS AND LOTS of people in those
>circumstances including me!  I couldn't save up the money either
>because I wasn't making enough to live, but, after using that as an
>excuse for a few years, I just had to bite the bullet and max out a
>credit card.  I lived in my car for awhile, and then got an apartment.
>
>And all those people I know?  I still see them occasionally and
>they're still using the same excuses I was.  Even though I've told
>them over and over exactly what to do, sent them job offers, etc.
>
>I'm not saying everyone is like that, but I am saying many are.
>
>Here's a contrast for you: my brother hires "down on their luck"
>people that have resume problems: felony, new immigrants, just got out
>of rehab, etc.  99% of the time the Hmong, Somali, and Mexicans stay
>with his company forever or until they get a better gig. Many go to
>night school, raise a family, and live in communal housing until they
>get on their feet.  My brother helps them with all of this.  He'll
>even pay their bills prior to giving them the money.
>
>The Americans?  Many, if not most, wash out in a week and the reason
>is always the same: they don't want to work.

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