The secret shame of the middle-class isn't their credit debt, it's that they are poor decision makers. The author completely glosses over this, only dedicating a single line to the elephant in the room:
> "I made choices without thinking through the financial implications"
That's it. Full stop. You bought a car without having a stable job. You bought a house way outside your earning ability. You bought fancy clothes and gadgets without having the cash to pay for them. Don't blame credit, you did this to yourself.
> "I made choices without thinking through the financial implications"
That's it. Full stop. You bought a car without having a stable job. You bought a house way outside your earning ability. You bought fancy clothes and gadgets without having the cash to pay for them. Don't blame credit, you did this to yourself.