I agree it’s stupid. And I’m a smoker who’s constantly trying to quit.
I’ve always said that many of the people in poverty make it worse on themselves with bad financial decisions.
The absolute worst thing one can do is have kids before you’re financially established. Like a house, vehicles that are mostly paid for, etc.
The only reason I was able to get by for most of my early 20s was that I was smart and didn’t have any kids. It makes it a lot easier to save money.
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