We have been convinced that we need it all now, credit cards play into this very well. People my parent’s age made most buying decisions based on how much money they had. Today a large number of people make buying decisions based on how much money they will make.

Buying on credit is not really a good long term survival mentality.

I have seen people buy lunch with a credit card (not a debit card) how sad is that?

I have been able to for the most part get away from credit cards, I feel my life is better for it.