I have a car again! Top of the list, easily. It’s the American dream. The attendant debt is also part of the dream, I suppose. Americans have weird dreams, when you get right down to it.

I see very little other sources of financial catastrophe than credit-card debt,

Credit card debt is almost always bad. At the very least, make sure that the amount of credit card debt you have is less this year than last.

Typically, students slide into debt through the extension (by credit card companies) of unaffordable credit lines.

She says, "Do you have any rubbers?" I say, I thought she was barren. "Sure, I'm sterile," she says, "but I've had unprotected sex with a million guys. I could have some terrible fatal disease." I say that would only be a problem if I wanted to live a lot longer. Fertility says, " That's how I feel about my giant credit card debt." So we have sex. If you could call it that.

It is good to own your own home (no mortgage). Own your own car (paid in full). Pay off your credit cards monthly. And. Have more than enough funds to do whatever you want daily.