Partially right. We live in a culture where Fergie can get up and talk about living a jet set mentality and there are songs on the radio today talking about Ma

Partially right. We live in a culture where Fergie can get up and talk about living a jet set mentality and there are songs on the radio today talking about Maybachs, etc. Couple that with a lack of education on financial well being, and suddenly you have people making unwise choices.