Let's put it this way. I went to lunch with a girl who worked at a Bestbuy. She spent the entire time trying out figure out how the a group of current BestBuy

Let's put it this way. I went to lunch with a girl who worked at a Bestbuy. She spent the entire time trying out figure out how the a group of current BestBuy employees nearby at the restaurant could afford the food (overpriced $20 meal) for such a causal meal. My former landlord financed everything she ever did, including her damn electronics she would throw away or break in a year. She was a widow, on social security and was cheated out of a pension. I have no idea how her monthly payments weren't thousands per month. Americans fucking suck at financial literacy and trap themselves in debt pits. Alternatively, people spend themselves silly without stepping back and realizing their savings is staying at $0 by living larger than they should if they want savings to go up.