It doesn't have to mean being in debt, although I think for a lot it does. It can just be living paycheck to paycheck through most of their life and using credi

It doesn't have to mean being in debt, although I think for a lot it does. It can just be living paycheck to paycheck through most of their life and using credit to buy things they can't afford. The worst part beyond the stress it puts on a family is reality is forced on them around retirement, when it is really too late to change anything.