how much debt do you have?? actually few americans have a million dollar investment portfolio.

i learned financial responsibility at very early age and am at a much better position than i realized. i have ZERO debt after paying off my mortgage in 2023. there are 6 rungs on the financial ladder with the vast majority on the 2 bottom rungs struggling to survive paycheck to paycheck working multiple part-time jobs. single parents raising children with little support, etc. the top rung of the ladder are the celebrities, athletes, billionaires etc. i always wondered how my neighbors and co-workers could afford their lavish luxurious lifestyle...actually they cant!!
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