"Apparently, credit cards company can magically force you to spend money."

"Whose fault is it that people go deeper into debt? Is it the young adult who lacks the basic math skills to understand the effects of compound interest? Perhaps it is the credit card companies whose marketing efforts, especially on college campuses, may be excessive? Can we turn to the primary and secondary school administrators who feel that money management cannot be shoved into an already-packed schedule? And then there are the parents, who perhaps fail to model appropriate behavior (implicit teaching) or explicitly teach their kids about handling money.

Obvisouly someone should be blamed when college students graduate with thousands of dollars in credit card debt, debt they have little to show for as it the money probably went to clothes that don't last, food, entertainment, and status symbols that become old quickly."

"While I don't aspire to be wealthy in a material sense, although I'm not opposed to the idea (lol), I do aspire to be financially independent and quit working one day. How soon I'm able to do that relies soley on what I do with the money I earn TODAY. This past Friday was payday for me, and this is what I did with it..."