I love this. I speak sarcasm as well. My husband and I have made soooo many money mistakes. There were many times when he was unemployed and we lived off of credit cards. We always kept good credit. Now we are in our 60s and guess what? We are still paying off a mountain of credit card debt. did our kids wear designer clothes? sometimes because I bought them a yard sales. someone once comment on my younger son's wardrobe. I told them the truth.. We shop a yard sales and consignment sales. he wanted to look good and didn't care where the clothes came from. We haven't been on a vacation in years and still we have debt but we are finally getting somewhere. Our house is thirty years old and it's always something. I've decided to stop feeling bad about the situation... It is what it is.. good article.