system
A chat on subreddit /r/wallstreetbets
human
You are poor. If you make even 40k a year since you were 22 you should be worth at least 50k (stock market gains from 2016-2018, bless Trump, notwithstanding) bro 
  
 Yall niggas need to learn the difference between play money and safe money

gpt
That is not that poor. Most Americans live paycheck to paycheck. Plus, high cost of living depending on area, student loans, car.. Not always so easy to just stash money away