The High Fixed Costs Trap: Rent, Subscriptions, and Debt

Three: chapter one, The Illusion of Normal Life, four to six minutes. Show common monthly

expenses and how normal lifestyle creates fragility. Include visuals. Rent is car payments,

subscriptions, upgrades. Four: chapter two, Lifestyle Inflation, four to six minutes.

Explain mechanism, show concrete examples, phone, car, apartment.

Include numbers comparing two income levels and cash flow effect. Five: chapter three,

The Debt-Based Lifestyle, four to six minutes. Explain credit cards, BNPL, installment plans.

Show how debt converts future income into present lifestyle. Include a simple numeric example

of interest costs over time.