Originally Posted by DwnWthVwls

Generally speaking, the only exception to the "environment rule" is people who live in high crime areas where the environment really does have drastic impact on decision making. Having crappy/drug addict parents is not a good excuse.

When you boil it down there are two mindsets (homeless, rich, poor, or middle class):

1) Make it, spend it, f*ck it, you only live once
2) Always put something aside just in case, the future matters

Anyone in category one is not someone I want to be supporting. Living beyond your means is not justification for being a mooch.