“I make good money, but I don’t have money” is the new income bracket in America. You’re not poor or missing meals. You can pay the mortgage and make the car payment. You can keep the lights on. But the check engine light comes on and suddenly you need two paychecks to deal with it. A medical bill arrives and you’re asking about payment plans. A full tank of gas becomes something you think about. You make more money than you ever thought you would. And somehow you’re still broke. Just a much more convenient version of broke.