seriously. I had a client who brought in six figures per month after expenses. He still barely scraped by because he (1) was in major debt which he never paid down, only refinanced, (2) kept renovating his house unnecessarily (3) refused to stop taking vacations to Liberia (4) for some reason his wife is credibly accused of war crimes which occurred after they got married.
i was a college student and i had better credit, but he had access to more liquid funds. it was weird. if he missed a week of work, he'd be fine. if he missed two, he could not handle the pileup of bills. i could take a couple months off work and be fine. like i said, weird.
my old boss found some criminally interesting clients.