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These aren't financial hobbyists.

At $48,560, these are mostly people who don't have a lot of money relative to their living expenses, and are doing what they need to do in order to not feel totally broke. < $50k in a lot of places was already getting hard to raise a family on, even before Covid, all the moreso if you're paying full price for ACA exchange insurance, which was then and remains now disgustingly expensive.



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