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Most people aren’t broke because they earn too little. They’re broke because they’re comfortable. In this Charlie Munger–style rational breakdown, we expose how the modern middle class is trapped by debt, comfort, status, and psychology — and why intelligent, hardworking people stay financially average for life. This isn’t about income. It’s about thinking. In this video, you’ll learn: Why the middle class looks rich but stays poor How debt, comfort, and envy quietly destroy wealth Why home ownership and lifestyle upgrades trap people The real difference between appearing wealthy and being free The simple principles that actually build financial independence This video isn’t motivational. It’s explanatory. 💬 Comment below: What do you think keeps the middle class stuck the most — debt, comfort, or envy? ⚠️ Disclaimer: The insights shared in this video are inspired by Charlie Munger's philosophy and mindset. The content is for educational purposes and not direct advice from Munger, who passed away in 2023. Always conduct your own research or consult a financial advisor before making any financial decisions.