re: What motivates people to live above their means?

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Priorities. People don't have their priorities straight. Luxuries become more important than necessities.

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Yeah for a lot of people living within their means is boring. They want to have fun, they want to have a good time and they want it now!

A lot of people have never learned to be content with what they have they always want more but don't want to save or work any harder for it.