Sadly, Americans are groomed at a young age to dive deep into debt early in life. It has become normalized for most of the population to carry some form of debt (credit cards and student loans are popular choices).
Most people don’t even bother making a budget — a task that only needs to be done once a month, and is easier now than ever, thanks to technology.
…You assume that I haven’t? I originally had to learn to budget when I was making less than minimum wage, to avoid homelessness. Budgeting can be even more important with less money.