Clark read in USA Today that families are taking on just under 80 percent in credit card debt these days. That number has gone up over the past 10 years and it means that - over time - people are getting poorer and poorer. Yes, those people will have possessions. But they will have no financial security. The only reason you want to wrack up that much debt is if you are opening or starting your own business. Inflation is not up 80 percent, so there is no way consumers can live comfortably with that much debt. Think before you spend for lifestyle!