Between your comment and your username I immediately thought of this:
https://whatever.scalzi.com/2005/09/03/being-poor/
It's worth a read. And a re-read, come to think of it - I'll go do that now.
https://whatever.scalzi.com/2005/09/03/being-poor/
It's worth a read. And a re-read, come to think of it - I'll go do that now.