The three common causes of middle-class bankruptcy are:


1. High mortgage payments of over 20k per month
2. Wife not working
3. Second child attending an international school

The four main reasons for falling back into poverty are:
1. Unemployment; 2. Illness; 3. Investment losses; 4. Entrepreneurship.

The nine major traps for the middle class are:
Seaside properties, P2P lending, stock trading, quitting your job to start a business, buying apartments, participating in fundraising schemes, purchasing commercial shops, franchise openings, and running guesthouses—each of these can lead you back into poverty.
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