Flipping to the other side of the coin, I'm now reading a feature piece in USA Today (part of a series in conjunction with ABC News) concerning twentysomethings falling into debt. The majority of it falls into student loan debt (college is less and less affordable for most of us), though that still leaves thousands of dollars lost because instant-gratification with credit cards trumps saving in America. (Plus, the credit card industry loves to sit in booths on campus encouraging anyone to sign up for thousand of dollars of free credit -- "Do it to build up your credit score," they say. "It will help you get a car or a house," they promise.) I'd also would be remiss if I didn't mention how much water the Congress had carried for the credit industry, while so generously cutting college grant money and hiking loan rates (those upper income tax cuts don't pay for themselves -- no matter what your local supply-sider says).