I don’t think anyone ever intends to torpedo their finances. Nobody wakes up one day and says, “yeah, I think today I’ll flush everything I’ve worked on the last 10 years down the toilet.”

But do the reasons matter after it’s already happened? At some point I became comfortable with the fact (at least on a superficial level) I was becoming nauseatingly deeper in debt. Debt that would have made me revolt with sickness just a few years prior.

Surprisingly, I don’t have expensive addictions. No gambling. No drinking. Zip on Golfing. And I still own the first car I ever bought (going on 14 years).… Read the rest