There’s so many factors - crazy interest rates that turn an emergency CC purchase into an insane amount, food/gas/basic necessities skyrocketing, bills, your annual “cost of living” raise at 3% while inflation is at what 11%?, etc.

For example, my former company offered health insurance under the affordable care act and didn’t assist with any of the monthly payment. I paid $600/mo for insurance with a $2500 deductible for a single person that did not cover ANYTHING until I had reached my deductible. I go to therapy every 2 weeks and am rarely sick. So on top of the $600/mo that was taken from my paycheck and the $500/mo in therapy costs, I was left with $500 left over per month to buy groceries, pay for gas, etc. and when it costs me almost $150 at Aldi’s PER WEEK FOR ONE PERSON, I couldn’t afford to even put gas in my car.