Not in those terms. But I believe that list is achievable by the overwhelming majority of Americans if they were to make better decisions. The ones who can't afford to save a 6 month e-fund when they're childless are living precariously as it is and sure can't afford the disruption to their budget a kid would entail.

I feel like I'm talking into the wind here. I guess I hold unpopular opinions around here. Is personal responsibility so unpopular? Or do people not believe that decisions we make affect our lives?

Ultimately it comes down to: knowing nothing else about someone's life other than that they are poor and have children, what is your default assumption? Blame the person or blame the system they live in? This is even more acute when we're talking about people in statistical terms - the individual stories and details vanish and you're left with pure statistical artefacts.

The presumption that it's people's own fault that they are poor often comes with a presumption that they're lying or evasive when it comes to explaining why they're in that situation when really they don't want to have to justify their existence all the time.

Doubly so in areas of reproductive choice. Not only is abortion extremely controversial in America, but access to contraception is hardly guaranteed and not necessarily free.

And again, I think you're vastly overestimating how many people could realistically achieve your standards just through their own decisions. Are your standards achievable at all on minimum wage?

(edit: think about this on the larger scale - an America where everyone has 6 months savings and no personal non-mortgage debt would have a financial industry with hundreds of billions of dollars in very different places ...)