Let me guess, that "what it is" is gonna be some personal blaming and "how to stop it" will amount just to bootstraps. Brb going to read the article.

EDIT: and of course, it's just the good same old fiscal responsibility and bootstraps talk, which isn't surprising because the author was "a product engineer". And as cherry on top at the end they try to sell you their own bootstrap course:

Want to master your money this fall? Sign up for CNBC’s new online course. We’ll teach you practical strategies to hack your budget, reduce your debt, and grow your wealth. Start today to feel more confident and successful. Use code EARLYBIRD for an introductory discount of 30% off, now extended through September 30, 2024, for the back-to-school season.

Just pay them and become a successful landlord, you silly poor person