That&#x27;s great that you had the mental fortitude to make it through that. For many, being broke and homeless is the very bottom and is psyche-destroying (people are so afraid of it, we even have a phenomenon named for it - Last Place Aversion: <a href="http:&#x2F;&#x2F;www.scientificamerican.com&#x2F;article&#x2F;occupy-wall-street-psychology&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.scientificamerican.com&#x2F;article&#x2F;occupy-wall-street...</a>) You may not like the poor changes your mind thing, and why would anyone? That doesn&#x27;t make it wrong. For example:<p><a href="http:&#x2F;&#x2F;opinionator.blogs.nytimes.com&#x2F;2013&#x2F;09&#x2F;25&#x2F;escaping-the-cycle-of-scarcity&#x2F;?_r=0" rel="nofollow">http:&#x2F;&#x2F;opinionator.blogs.nytimes.com&#x2F;2013&#x2F;09&#x2F;25&#x2F;escaping-the...</a><p><a href="http:&#x2F;&#x2F;www.nytimes.com&#x2F;2011&#x2F;08&#x2F;21&#x2F;magazine&#x2F;do-you-suffer-from-decision-fatigue.html" rel="nofollow">http:&#x2F;&#x2F;www.nytimes.com&#x2F;2011&#x2F;08&#x2F;21&#x2F;magazine&#x2F;do-you-suffer-fro...</a><p>I&#x27;m also referring to the incredible <i>narrowing</i> of choices that you&#x27;re left with (this one I&#x27;ve experienced first-hand, and by a read of these comments many here have experienced it as well), which you are surely well aware of. Don&#x27;t let &quot;what you don&#x27;t like&quot; or &quot;what should&#x2F;should not be&quot; dictate your interpretation of the reality. I don&#x27;t like that stuff either, but I&#x27;m not going to deny its real effects. It&#x27;s not only callous, it&#x27;s not correct.