We’re talking in circles. You think I only mentioned Netflix. I didn’t. I also said fast food. You also think I said poor people. I didn’t. My suggestion is for everyone.

If you can’t afford luxury items (and I include fast food and streaming services in that category) then you shouldn’t spend your money on them.

I would no sooner suggest someone to purchase Netflix over feeding themselves and their family. And that’s what you could end up having to spend your emergency fund on if you lose your job. But you place these luxuries on the same tier as necessities and that’s just simply irresponsible.

Go ahead and tell all your friends and family, “Don’t worry, I know money is tight, but you shouldn’t save for future emergencies by cutting corners today. I think you should give that money to McDonald’s and Netflix. They clearly need it more than you do. I mean, you can always just put it on your credit card and pay 30% interest!”