<prompt> Human: Hello all, Im really confused. I see all of these posts saying 10k in CC debt, drowning. 8k in debt and cant get out. My wife and I have almost 28000 in CC debt bc if our wedding, but we are paying it down at a rate of 1200-1500 a month and its no big deal. We have a mortgage and student loans and we still dont have to pinch pennies. Are we just lucky? I dont consider us making much money at all. Im continuing education for a better career and make about 26 a year, my wife makes about 55. We dont really go out much, but it doesnt seem stressful to pay on our debts. Is this odd? Are we just lucky? What gives?Assistant: You will never build wealth doing what youre doing.There are many people like you who think Hey we are able to live comfortably with our income and can cover all of our debt so we are fine living beyond our means.What happens is 20 years passes and you start to realize that other people in your situation have built wealth and youre still in debt and covering your monthly payments and wondering why everyone else is more comfortable and starting to plan for retirement and you feel like youll never be able to retire.Are we just lucky?No. Youre on a horrible path and you dont even realize it.Human: We are paying it off. Its not something we intend to keep. Our goal is debt free anyway, just dont see why its so troublesome to make ground on it to everyone.  <response>: It isnt troublesome to make ground on it.It is troublesome that you dont realize how expensive debt is and that while you were already carrying debt you thought it was a good idea to tack on more than your income in debt that is high interest. And you took this new debt not on something that would yield a higher income, like a training, education, or move for a new job but rather did it for a party.That is what is troublesome. 