How much does it cost you to exist for one hour? Have you ever asked?
Just for a rough guess, add up all the expenses of replacing the stuff that breaks, the cost of going to your job, your mortgage, taxes, tuition bills, gifts for relatives and friends, etc. Then divide by 8,904 (the number of hours in a year, assuming an extra 6 hours to offset for leap year.) How much is that? Is it higher than the US minimum wage?* If it is for you, you no longer have to wonder why you are broke. If you work forty hours a week, there are an additional one hundred twenty eight** uncompensated hours your wage does not cover.