[jhynesrockmtn]

A lot of folks "budget" based on what payment they can afford for a car, rent, etc. They usually are wrong and when their income changes they are stuck. Ignorant people make new ones and the problem persists. My young (early 20's) niece just had a baby. Her idiot boyfriend makes minimum wage at McD's. She was working as a receptionist at an insurance company. She wonders why they can't buy a house while they watch helplessly as their rent increases. Crappy credit, no good job history, make very little $, etc. They are the last people in my family that should have reproduced but they did. I'm sure my sister will end up at least taking care of the kid part time if not something more serious when things fall apart.