"My debt made me feel like a failure. I wasn't paying attention all those years. I missed credit card, cell phone and other payments simply because I moved five times in a two years and everything wasn't getting to my mailbox. Sometimes I would pay a bill and pray to God that I didn't need anything else for two weeks until my next check came. It made me feel like an idiot."

"She will be 16 next June and her car account is low and she wants to do a summer exchange program to Italy so she needs to crank up some income. I will not let her touch the college funds I have saved for her thus far. I know I am mean, but I think this teaches her and all the kids to save for a purchase and not just receive immediate gratification with debt."

"After I got the lease signed on my first rental property, everything went fairly smoothly and I had no complaints...

...then it got hot."