spending habit and decisions rather than trying to make more money. Most see more income as the solution to their money problems, but unless they change their spending habits, the problems will only get worse. I work with lots of medical professionals that make huge bank and still live check to check and have no retirement. It's almost always a spending problem that needs fixed first.

Most people live a lifestyle they can't afford and use credit to make it work. The day of reckoning is in their future.