How bad with money do you have to be?
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60,000 a year is considered "poverty" - You have got to fucking kidding me. I was making 60k a year a few years ago - Could afford rent, bills and food and still have money left over.
Were you supporting and paying for 3 other people on that salary? It says family income. Ask yourself how that would have gone if you were the only provider in family of 4.