Xerxys

Jewels, I wasn't implying that people in debt are the scum of the earth. What I am trying to explain is bad spending habits and poor money management skills are in fact signs of low self esteem. How about we look at the MO of a spendthrift ... look at someone who has no visible plan for the future and constantly throws good money after bad, doesn't pay the bills on time and the bulk of their debt is in charges, fees and/or penalties. Such people are always waiting for someone to bail them out.

Purely from a mathematical point of view, the bulk of debt in the USA is usually revolving credit. Not things like mortgages or equity based loans ... but actual credit card debt. These numbers lead me to believe that it is in fact MOST of the people in debt have low self worth issues.

I could derail this thread for so long talking about parents and their goddamned "responsibility" but I will leave you with this ... if you are going to go out of your way to make someone else's life diffucult, how about you just NOT have kids then ok?

I often question people who think of themselves as "adults"!!