I live a very simple life. My income would be considered low in any state in the US. But I don't have any debt atm. I have before. I changed the way I lived. I have saved about 5k this year all of it earned in crypto profits. Crypto has really helped me start saving. And I am a firm believer in taking profits along the way. Sometimes it is impossible. A crisis can always occur. But you don't have to buy a new car. You can cut back on many things. You can lessen the possibility. I read most people don't even have $500 n the bank. The struggle is real for sure.