u/Defiant_Lychee516

Not talking about people who are struggling to make ends meet. I mean people who realistically could pay it off but somehow keep spiraling anyway.

I’m in that exact situation myself and trying to understand it better.

What does it feel like in the moment before you make a financial decision you know is bad? What have you tried that didn’t stick, and why? And honestly — what do you wish existed that actually helped, beyond just another budgeting app or spreadsheet?

Not selling anything. Just genuinely trying to understand the pattern.