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Often (not always!) this is due to lifestyle inflation, retail therapy and poor money management. A lot more people have the means to be saving for $400 emergencies but instead buy some plastic crap that gets used once, eat out too often, get the latest iPhone every year or buy a car or house beyond their means. And I've been guilty of this as well.

Just look at garages. They are often so packed full of junk there is no room to park a car (and then end up filling driveways and the street bumper to bumper). Once you start paying attention to this you notice it a lot.



I think we're all aware of the reason this exists. People are shit at budgeting. That just reinforces my argument that nothing will change with more time off.




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