Really gets you into the picture and use the thoughts behind the book.  Why do we need to be in debt?  Who says we have to?  If we pay our credit cards off, who will it hurt?  The credit departments that receive 18 to some 24% added to those balances in interest.  I think I would like that money to me in my pocket.  Do we want to be the Jones?  They probably are deeper in debt than we are.  Maybe they will want to be like us in a few years.