since most (middle class+) discussions about budgeting while poor

almost never ever

include any mention of debt

no mention of utility debt (ie, not paying your bills)

no mention of credit debt (for that credit card you got before your credit was ruined)

no mention of student loan debt (b/c you bought into the american dream that college = awesome fucking job)

no mention of the money you owe friends/family kind enough to get you out of a tight spot