I know guys who make $70,000 a year with no car payment, no assets, no mortgage, etc who live paycheck to paycheck. I also know guys who make $30k a year(or less) who live extremely comfortably because they budget the shit out of their money. I know guys who make $100k a year and will be retired by the time they are 45.

People make smart and dumb decisions, this isnt news to me