maybe I was a little hard on you "free spirits". It is your business, but unfortunatley as your debt leads you around like it has a hook in your nose, people like me end up subsidizing what you do. (taxes, health care, insurance etc.) Public schools have taught everyone that payments are a natural part of life and payments are what you base your spending on but the problem is that life flies by and while you are paying interest through the nose, you are not in position to take advantage of situations that might make you wealthy. As far as pisssing all your money away and being Mr. Goodtime at 23, you are exactly the kind of employee most businesses want because you won't have the resources to control your future. Your boss will.