“However, I NEVER got myself in the kind of shithole you both appear to have. Maybe it was because I paid my way through college? Maybe it was because I worked from the time I was 15? Maybe it’s because my dad died when I was 18 and I knew that no support whatsoever was forthcoming from my mom if I screwed up?”
Or maybe it was because someone taught you about finances? People aren’t born knowing this stuff, so someone must have along the way. That did not happen in my life. I also paid my way through college, working crap jobs the entire time. And I am by no means the only person I know who screwed up with credit card debt. The only good thing about it is that it happened when I was relatively young and I learned from the experience.
