Group 1 - The article emphasizes that middle-class individuals can improve their financial situation by downsizing and cutting unnecessary expenses, particularly focusing on subscription services and dining habits [1][2] - It highlights the importance of evaluating and reducing subscription services, which can collectively cost over $100 per month for many households [3] - The article suggests that by choosing fewer streaming platforms, families can save approximately $30 to $50 monthly [4] Group 2 - It discusses the burden of high-interest debt on middle-class budgets and offers strategies for debt management, including debt settlement and consolidation [5] - The article points out that dining out is a significant expense, with the average household spending about $3,000 annually on food away from home, and recommends cooking at home to save money [6]