Someone meant really well. We think. A few years ago, Visa and McDonald’s partnered to launch a personal finance site for McDonald’s employees to help them better manage their money. Unfortunately, whoever wrote these materials had no grasp of what it’s actually like to live on $8 or so per hour… The path to financial freedom, according to Visa and McDonald’s, involves turning off your heat, not buying groceries, not having children, never getting sick, and getting a second job. All of which are sound money-saving strategies, it’s true, but it’s not all that realistic to expect people to combine them.

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