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Boo, you are soooooo right. We don't teach kids much of anything about life. And the cycle of poverty is tough to break once you're in it. It takes some real tenacity and emotional maturity to get out of the cycle, something that most people starting that cycle don't have.
I was fortunate to learn about credit problems through a friend. My gf had a gf that got married to an Air Force dude with two stripes. He bought a car and then tons of furniture on a cc. We would visit and have fun. I always wondered how he did it. The next thing you know, everything is gone - repossed. And they later end up divorced.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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