All the budgeting in the world did not save me from the massive bills to treat conditions I was born with. I live paycheck to paycheck because of it.

I had good insurance and worked in a very good career for decades, but my health issues and disability have wrecked me. I can’t afford food, I’ve chipped a tooth that hurts like hell but can’t afford a dentist, and I’ve been staving off homelessness by the skin of my teeth. I can’t afford anything now* and can no longer afford to live, even though I did everything ’right’.

People like this dickhead who think you can ‘just work harder’ are delusional.