This is probably another topic for another day, but I think Covid brought the "living above their means" aspect of many Americans to the forefront in a big way.
Obviously there are many others out there who AREN'T necessarily living above their means and still have to live paycheck-to-paycheck, but I think it's safe to say we all know some people who swear they can barely make ends meet ......and yet, they have a new vehicle every 5 years, new gaming systems, all the updated phones.....and not to mention, they dine at restaurants 3 or 4 times a week.