QUOTE : This was my world: a world of truly irrational behavior. we spend our way into the poorhouse. We buy gain TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans.... We spend to pretend that we're upper-class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition , no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.