a lot of hmong folks, i talk to
they don't included things like
mortgage, auto loan, student debt, credit card, etc...
sureeee...
you have $10k in your saving account
and $25k in your 401k retirement
but you are still -$130k+++ in debt
from mortgage, auto loan, student debt, credit card,
hahah
slave to the system
the chain are invisible but it's there