Our nation is in dire financial straits. However, the nation's situation is only a reflection of our personal failures in our inability to 'Just Say No' to ourselves. We must have everything and we must have everything now. We have become a country of consumers instead of a populace of producers. Let's face it, too many families are drowning in debt. We are spoiled. No one wants to wait and save money for purchases. The …showed first 75 words of 535 total…

…showed last 75 words of 535 total…in danger of this situation? Here's something to think about. A recent study done on the typical bankruptcy by the University of Texas in conjunction with The University of Pennsylvania confirms this. Published in the Wall Street Journal the study noted that the typical bankruptcy was not a guy under a bridge or a real estate high roller but rather 'Well educated, middle-class baby boomers with big time credit card debt.' Wake up America!