You Want To Keep Up With The Joneses
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Some people get into debt just to keep up with the appearances of what it means to be middle class. They usually care way too much about what their neighbors think and do, and will go to great measures just to fit in.
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For example, if one person gets some solar panels installed on their roof, suddenly all of the neighbors consider doing it, too. Even if they don’t act on the impulse, it’s always in the back of their minds.
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