1. Switching jobs repeatedly affects pay/insurance.
2. Moving locations spontaneously.
3. Spending outside of budget, impulse, not keeping check ledger, putting off bills due to impulse buying.
4. Not owning anything but luggage until age 24. Bankruptcy + huge lifestyle change in late 30's (I still miss the pool). Car repossessed in late 40's.
5. Now on SSI. Zero savings, no credit, rating in the 300's, can't afford to repair credit or get new car. Just slowly riding the road of life on a bicycle on the side of the road.