How many of the four pieces of the typical poor person's set do you have?

The first is buying a car on installment.
This thing, being poor for three to five years, is basically no problem, and the poverty is very stable.
The second is draining your family’s savings to get married.
This involves losing all legal income from the first half of your life, and with one move, you’re back to square one.
The third is taking out a mortgage to buy a house.
This is a lifelong reliance, basically indefinite.
The fourth, which is also the most costly, is having a child when savings are limited.
These four make up the typical poor person's set, but if you’re outside, they’re generally called "happiness."