Being Broke isn't just about cash flow
I work with two people who are perpetually "broke". A woman with a 17 yr. old kid (single mother), and a guy with a wife and 2 kids (12 and 7; wife doesn't work). Same refrain every week... not enough money. I used to be sympathetic but I'm less so now.
I see no indication of any sort of BUDGET. I see (hear!) the cell phones at work, hear about what was viewed on cable TV, "pay per view", and never see either of them "brown bag it". The guy with the stay at home wife has 3 cars; all registered and insured.
I have come to believe that financial woes have less to do with one's paycheck than they do with one's expectations and feelings of entitlement. How do you feel about this?