DaasYochid – The factors I’m thinking of here are:
1: Have just recently started working, so no cushion / large debt load
2: Huge student loans (200K+)
3: Two cars (plus insurance on both)
4: Major rent (2K+) each month
5: Pays own health insurance.
If even 3 of those are true, this guy is in a bad spot.
If I knew what he did for a living, I might be able to suggest ideas.