<prompt> Human: Source ArticleA nice series of graphs showing how Americans spent their wealth, on average, in 2012. What I found most interesting was the analysis at the very end of the article:If you have very little, you often behave in such a way so that youll have little in the future, Sendhil Mullainathan recently told Harold Pollack in Wonkblog. The poor dont plan as much for the coming years, because they cant afford to. Thinking about the future is a form of luxury.That certainly puts an interesting spin on long-term savings and investment plans. You can look at is not as paying your future self, but purchasing a luxury item.  <response>: Note: The graphs show the percentages of total expenditures, not income. Thus, housing represents 33 of total annual expenses, not total annual income.Edit: spelling 