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I'm really not trying to be critical of other people's lifestyles (and I like the idea behind Jonathan's Card), but when it comes down to it I would want to be able to educate those people that they are living outside of their means rather than enable them.

If you're living paycheck to paycheck and buying Starbucks every morning, that's definitely part of your problem. I understand and fully appreciate paying a bit more for a quality product, but when it comes down to it, being able to start a savings and plan for your future is more important than enjoying a better cup of coffee in the morning. It's directly analagous to buying a car that's out of your price range (say, a Lexus when you're only bringing in $35,000 a year pre-tax) and struggling to pay the note on it every month. You really can live with the cheaper product, and in the long run it may do you a world of good.

Am I wrong? I'd like to see some other people's input on this idea.

You're not wrong about what they should do, it just has no bearing on what they do do. Given the choice between short term pleasure or long term pleasure for a short term sacrifice, most choose the former rather than the latter. Being able to delay pleasure is a skill many people just don't have.

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