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I'm sad that I can't disagree with you. Most people don't realize how much those monthly (and daily) expenses add up.

A huge failing of our society is that we don't teach people how to be responsible with money. All they see are ads telling them to buy more, spend all your money, keep up with the Joneses.

Either you have parents who teach you, or you figure it out on your own. And for the poorer people, it's just a cycle where they don't know, so their kids don't know.

I just wonder sometimes if it is really that hard to figure this on their own. We can't teach every basic thing to everyone. I would hope that people are able to figure such obvious things on their own. It is really strange that they don't.

Most people just don't know any better. And when the social norm is spending all your money (and then some) on things you don't need, most people don't even realize there's another option.

I myself didn't realize until I stumbled upon Mr. Money Mustache two years ago (http://www.mrmoneymustache.com/), and it kind of woke me up. Now I buy way less, save at least half my income every month, and am overall much happier.

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