You blame the poor and the Democrats who try to create social programs to help, but the biggest impact when your ability to pay your bills and save money is the cost of housing, which has quintupled in the past 20 years.  Real estate brokers and property managers play every trick in the book and even make up new ones all the time to find new ways to charge even more for housing. You wanted to drain the swamp? You pretty much just replaced all of the water with more alligators.