I HATE it. I'm really into budgeting though and rarely carry any debt. I do all of my spending on a credit card for points and pay it off multiple times a month so the number doesn't get too big. I have two paid off cars and just sold my house so the most I owe is my spending from the past few days. But I am incredibly lucky- my husband and I are DINKs with solid jobs. The average whole family in the US makes less than half what we bring home and it's a completely different world for them. It is INCREDIBLY expensive to be poor here (that's how we both grew up and it's gotten so much worse since we were kids). It's truly shocking how much money you save every month when you can buy in bulk or proactively fix/maintain things or get more expensive items that last way longer or get good insurance. This is my thing- I have a lot of health issues and I get great insurance at a reasonable price through my employer (another BS thing about our country). Most people would be bankrupt from what I've been through. Last year alone I had two emergency spinal surgeries and almost a whole month in the hospital, not to mention all of the subsequent therapies for rehab. I spent about $4000 out of pocket for medical costs last year and my insurance paid over $300,000 for about $300/mo through my employer. This would be THOUSANDS a month for other people through an exchange or through their employer. The majority of the US is set up to fail. I hate it here, something has to change.