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It's not common today for people to actually live within their means. I would buy stuff on my credit cards that I didn't really need in my late teens and twenties. Have to admit I was a slow learner about those things, but I did stop using the instant credit cards as I saw that I was helping to make the New York bankers rich with the interest I and millions of others generated for them.
Then I met Pat.... the German miser from Lavaca County. He's so tight he squeaks when he walks (and he was nice and handsome too). After we got married, I started taking on many of his accounting practices, we were able to buy our last two cars cash. Not bragging, just amazed, as it seems like CREDIT seems to be such an American thing.
We have credit cards, but pay them off every month. It's just a good habit.
Now, if our government could do that!
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