Your argument holds even less ground. Yeah let's not save ~$12,000 a year since it'll never help. Instead say woe and stay in the same bucket and beg for handouts since there's no 12k in safeguards. If you're living from paycheck to paycheck due to your own spending habits it's a personal issue as well. As someone previously commented, it's about reducing expenses while making money. It isn't going to immediately lift you out. But it will eventually.
> Yeah let's not save ~$12,000 a year since it'll never help.
It's true that it may not help a lot if you're "missing $40,000 a year, every year, forever" which apparently is the article's definition of poor. Unfortunately we're not told what they would need such an amount of additional money for exactly.
On the other hand, maybe going from "missing $40,000 a year" to "missing $28,000 a year" is enough to not be poor anymore? It's difficult to understand the author's idea of the boundary between being poor and not being poor.
