Thank you for your article not many people are talking about this because they are afriad of judgement from others . I hope soon that neighbor of yours will soon realize that in three years many things can happen that require having a big chunck of money. They are also a great example of Performative Consumer I am pretty sure they did not buy that Iphone and brand new car because they really need it like that but to display and upgrade their status with others . I wish schools will teach us about Financial Literacy however it is not too late for some people to change and learn it .