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$0 implies you don't have a job.
My entire post is about someone who has a job but complains about being unable to afford things.
Also, I missed another group, the "complains about money but never takes shifts" person.
Always saying they don't make enough, can't afford stuff, need more shifts, don't get enough hours, abd yet always are also the person first to ask to be cut early, always trying to get other people to take their shifts, never picking up other people's shifts, etc
There's always a few of em at every job. They don't seem to understand you have to actually work hours to get money, lol.
Over hundreds of folks I've worked with at dozens of gigs, I'd say about half of folks have both serious work ethic and responsible spending.
The other half either has shit work ethic, or, shit spending. Or both.
And I worked in a very much revolving door industry so I've seen a lot of faces in my time at this point.
The other half that had their shit together, every single one of them that I stayed in touch with over the years later, is now living comfortable in their 30s.
And when the topic comes up about so-and-so who was in the "doesn't have their shit together" group, it's either:
I also largely attribute this issue to undiagnosed mental disorders, and the west's total lack of caretaking of them.
I'd sat the vast majority of those "doesn't gave their shit together" folks struck me as having undiagnosed disorders and a total lack of support for it.
Which sucks, unfortunately, and I say that as someone who was in that group for a bit. You have to fight tooth and nail to get help in western capitalism.