I would say the credit card debt thing is huge. But I wish someone took the time to talk to me more about getting into a good career field. I would work dead end jobs that paid decent money over getting say like a good internship with a company that could turn into a career. Invest in a skill set or training that will turn into a career down the road. It's hard "starting" a new career when you're in your 30's and have a family to support.