I truly dont know how a family of 4 earning less than $100,000k DOESNT live paycheck to paycheck. It has to be quite hard to earn a decent wage and still feel that your accomplishments are "less than" because you dont have a blasted Can-Am, set of 3 Yeti coolers, 3 pairs of Maui Jims for diff occaisions with the frat wraps that float ( just in case you drop them from your pleasure craft )
I live in an area where this is RAMPANT. Had an old neighbor that took up tennis. Within 2 weeks of STARTING, he had 2 $300 racqeuets, the $200 Babolat bag, the gear, the $150 kswiss shoes....and couldnt hit the broadside of a barn 3 times in a row.