<prompt> Human: I keep seeing these posts on here where people say they have a debt of say 70k and they make 130k a year. When added up their bills amount to around 2k a month or so. Then they go to say they cant pay it off for reasons, what am I missing? From my point of view they should be able to pay it off in five years with eating out and drinking Starbucks. I really admire you guys for taking these people seriously, Id think theyre playing a joke on me.  <response>: They all have spending problems. It doesnt matter is they make 13k or 130k per year if they spend beyond their means. Its no joke, I know people making 3x my salary and living paycheck to paycheck while I can live for months of savings and afford some things the consider too expensive difference in priorities. 