We all know that no one will just pay you more out of the goodness of his heart. We also know that as an employee you will most likely make just enough money to survive. So the only way you can get out of the rat race is to invest in an additional income. The problem is, that most people will spend more than they make causing themselves to go deeper into debt every month. That’s why the poor will stay poor forever.

Even if all the money in the world was redistributed things will go back to the way they are now. Because at the end of the day it doesn’t matter how much money you make, what matters is how you use it. I still use public transportation and for most of my friends it doesn’t make sense, I make more money that some of them and they all have cars. But think about it, Making $1,200 a month and owning a car (an expense of about $400 a month) doesn’t make any sense. Don’t forget that you still have rent and bills to pay.

That’s why the average Israeli has about $100,000 debt if he has student loans or $50,000 without them. I was on the bus a few days ago and saw a group of about 5 or 6 girls boarding the bus and getting off just two stops later. Two stops are about a five-minute walk, but it costs about $2. That’s $120 a month for a round trip for one kid, most families have 3. You don’t have to be a rocket scientist to understand that those numbers don’t make sense.

What are the alternatives? Do I lose any quality of life because I do the math? I don’t think so. If I have a date I take a cab, that way I save money and I don’t have to worry about parking the car and getting a ticket. I go out as much as I want if I want to buy something I buy it. I don’t live like a monk. Don’t take this the wrong way, anyone can do whatever they want with their money. But they can’t complain about not making ends meet when they don’t know how to manage their money.