I struggle with it, too.
People need to learn how to tighten their belts.
Having a new cell phone is not something that people who are complaining about money should have.
Having a new shiny car, including the car payment.
People need more discipline.

econ

Americans are poorer: the United States Misery Index rises again

Undisciplined

I struggle with it, too. 
People need to learn how to tighten their belts. 
Having a new cell phone is not something that people who are complaining about money should have. 
Having a new shiny car, including the car payment. 
People need more discipline. 