<prompt> Human: I just couldnt stop laughing while reading this. Its a good case study on how you can make decent money and yet always be poor. You hear stories about people who dont know how to manage their money and have new cars and a big house but no money and this really bring it out of the abstract. They mustve been paid because why else would anyone put their name and face on this?!?My favorite quotes: We were really nervous, Mr. Bhardwaj said. He mapped out their expenses, crunched the numbers and they decided they could afford it, barely. We knew that with the income we had we would basically just survive.And: Mrs. Bhardwaj describes them as house rich but home poor, which she says means they have a large lovely home full of shabby old furniture. We cant afford to buy any nice new things for in there right now.And of course, they work in the financial services industry: The couple, both of whom work in the financial services industry, tried to make up for the looming cash crunch by applying for another line of credit, but their already large debt load disqualified them. We knew we could not get any more money from the house, other than through our existing line of credit, he says.  <response>: Ive made a spreadsheet of our expenses ... and right now, we are 1,000 a month short for what we will need to live on, once my wife is on mat leave, says Mr. Bhardwaj, 39.That is a grand short of thier expenses right now. Wait until that kid arrives. That 1000 will look small. Also they seem to be assuming that nothing on that massive friggen house will break. Morons.. absolute morons. 