I have zero fond memories of my family's financial situation as a young child, one that landed me in foster care and then being moved across the country to live with my dad who I had only met twice before.
I also would not wish upon either of my children being a poor young adult. I had a friend that had to live 7 people to a one bedroom apartment (yes I realize that's illegal) and ended up pregnant at 18. I don't think there is anything "character building" about borrowing money from friends just so you can eat that day. Would you tell a homeless person that what they are going through is just building character and that they will look fondly upon these days when it's over? If it's ever over?
Poverty is a huge problem in our country, there is nothing cute or funny about it. There is a far cry difference between being a young adult with a job and learning how to manage your money and ACTUALLY being poor. I get very irritated with dh when he complains about us being "poor" because he couldn't go out and buy something he wanted. Sweetie we can go to WDW, have a house, two cars, and jobs...**** and sit down. He came from a upper middle class family and never wanted for anything, I came from the exact opposite.
I guess the question for you would be... if your husband had to struggle at some point, and if he'd had to want for things, would he have a more realistic view of your current financial situation?
This thread has led to some very interesting discussions in our household. By some of the descriptions here, when my husband and I were young and just starting out, we were "poor". But when I asked him what he thought of that, he said, "We were NEVER poor!" and that led us down the road to trying to figure out what "poor" means.
I knew a very rich man who once complained (in front of all of us minimum wage employees) about being "poor" because he didn't have enough liquidity to buy 20 acres of prime BC forest on a whim. At the time I thought he was an idiot, but now I know he likely just didn't know any better. Would a year or two as a "starving student" have given him perspective? Maybe. But, I'm thinking probably not. He lives in a different reality, entirely.
Poor, as far as I can tell, isn't being unable to afford 20 acres of trees. It isn't having to save for items, or choose between the things you want. It isn't eating ramen, either. Or having a tiny apartment. It isn't even running out of money for food at the end of the month (because that was me as a young single girl and I sure didn't feel poor - I was having the time of my life!).
I suspect that when you've got hope for the future, good health, youth, and friends in the same situation as you, you're almost never truly "poor". But that's not the same as saying that poverty is just a state of mind. I wouldn't, in a million years, dare to tell any of the people I know who are struggling with poverty that it's "all in your head". (Although I do sometimes enjoy shouting, "Turn that frown upside down!" at a very dear clinically depressed friend on disability. It makes her SOOOOO mad!
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When you're older, sicker, possibly with dependents to support, still without a safety net, and still just a step from disaster, realizing you'll never achieve your potential - or even the financial security you've seen your peers achieve - then you may very well be poor, even though you might be living in a slightly larger apartment and have slightly nicer furniture than that not-poor college student.
There's something really crushing about losing the rat race, about being left behind as everyone you know gets married, buys homes, goes on vacations and begins looking ahead to comfortable retirements. It's similar to being the one kid in your class who can't afford nice clothes, who gets left behind when the rest of the class goes on school trips, and who doesn't ever get the kind of cool toys they see the other kids playing with. So, certainly, isolation is a key component of poverty.
In the end, though, I think if someone feels like their adult children need to experience some financial struggles in order to appreciate what they have in life... they're probably starting WAY too late. They needed to start teaching them these lessons back when they were toddlers.