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And HN is at it again, downvotes for linking to the site? Or saying "can take up other endeavors" how did this not add to the conversation? This is a first hand article, very very relevant.

But they can take up other endeavors but we do have to take into account some things beautifully summarized in this "list of n things"[1]. I know cracked.com is not one of your "serious sites" but this is all from the first hand perspective.

[1] http://www.cracked.com/blog/5-things-nobody-tells-you-about-...

Totally agree with you here (except one thing). The world in this game is binary in nature. If you don't do that, then this will go wrong. Things like that, that is not how I would see it working.

The one thing that I don't agree on is that

So, coming out a couple hundred dollars ahead, I could run this "poverty" scenario for 4 months and have enough to buy a refurbished MacBook Air and join the Apple Developer's Program, with which I could bootstrap an iOS App-writing business. Seems some others played, came out over $1000 ahead, and could jump in to app-writing in one month flat.

You are not coming out a couple hundred buck ahead. Tomorrow the landlord will require rent so minimum $800 in that, even if you are in a good job you have $200+$300, so you owe a little back rent of $300. But I doubt every single month will be so bad. I mean, my pet, friend and grandfather can die only once right?

So it is true that somebody can have a month in which his/her gradfather dies, pet dies, friend is terminally ill, they break plates at work, the get depression, their tooth hurts, rent is raised, they get a speeding ticket, neighbor's kid breaks their windows, they make only 150$ is a yard sale selling "a bunch of stuff", their bathroom leaks, they slip and hit someone else, have to pay for a worthless college degree (why would I get any, I don't know), they forget their lunch frequently and thus buy a 1$ burger (if you are working in a warehouse, that is not going to effect you that much), have chest pains, get their gas siponed off, mom gets sick, their children throws a tantrum because they are being taunted as "free lunch kid" (and why would they go hungry for that?) and still make it through with $398 with a paycheck tomorrow?

I mean come on! Utterly ridiculous. Some people have a bad luck but don't forget from next month I would be having food stamps and not any of those expenses so may be able to save much.