If someone needed to be shamed it is precisely because they STILL have not learned. See, you miss entirely what Joe_Mama was talking about, and the proper audience for shaming in the first place.

A lot of them are still living paycheck to paycheck I mean, and yeah execs have a lot more loopholes than average people. I went to college on scholarships - high SAT scores, honor's + president's award in high school, extracurricular engineering group + FBLA, strong recommendations from advisors, minority, work…

I don't have to google that - it's prevalent. That's what I mean by common/cultural attitude. Good for you on being more responsible.

Phew, covering all of these already. If there's one thing my parents did right, it was teach me financial responsibility. Don't spend anything you don't have, build up credit responsibly, pay what you owe before or when it's due, always be secure, and if you ever have debt, figure out the best way to get rid of it as…

Well, what I'm basically getting at is that it's part of American culture to say "I don't know how, but it'll work out!" You will very rarely hear "We're not going to have a 2nd child because we can't afford it; to stay fiscally responsible we would have to sacrifice too much quality of life." We act as though there…

You're right, Joe_mama.

Right in the heart of Hollyweird

I think it is funny how you expect people to be personally responsible for their actions. Won't someone else just fix my problems for me? Like my parents, or the government?

The attitude in general is "it's their money let them do what they want" instead of "their dumbass decisions are hurting EVERYBODY." Get it? We shouldn't be saying "most of us are thousands of dollars in debt on credit cards, it's normal *shrug*" - we should be asking why so many of us keep making dumb decisions. And…

Oh, my darling like rich girl. Let me play you the song of your people:

Typically people aren't making one mistake and ruining their finances forever. It's a lifestyle choice like diet and exercise - ongoing effort to produce results. IMO what Joe_Mama is saying is kinda like this:

It's a very small % of people that can't make it to the library for free book checkouts. Even if that were the case, your financial future is important enough to put a little effort into planning and budgeting. There really isn't a plausible case for "my budget is based on a campfire story handed down by my…

Don't have access to library books??? LOL

FYI; there are libraries with free computer labs, free internet access and free classes on learning computers. More importantly, those same libraries offer many books on personal finances etc. It's not really a new field.

I've not paid off my vehicle early because it's 0% interest. Pointless to hurry THAT up.

Everyone... you need to follow the money. It's all in the stock market now... read up on O'Neil, read up on Minervini, Morales/Kacher, Tharp, and learn to invest your savings. We are in a low interest environment so passive investing doesn't cut it anymore. O'Neil is a multi-billionaire who started with 5000$. That…

Unless you have a problem, there is no need to be afraid of credit cards.

I burn $100 bills in my biolite campstove to recharge my iPhone.

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