I never said all poor people use cigarettes, lotto, alcohol, and weed. But there are tons of studies showing that use of those things is elevated among the poor.
Anyway, the whole point of this thread is that having some buffer money allows you to make more optimal savings choices in the future. It's a cascade effect.
Even $1000 in savings as a buffer would allow you to make better decisions grocery shopping (you can afford to hold off and wait for better deals, etc.) or in the case of this article, have the patience to forego $100 now to get $200 later.
Anyway, the whole point of this thread is that having some buffer money allows you to make more optimal savings choices in the future. It's a cascade effect.
Even $1000 in savings as a buffer would allow you to make better decisions grocery shopping (you can afford to hold off and wait for better deals, etc.) or in the case of this article, have the patience to forego $100 now to get $200 later.