Thank you for writing this, I really liked it. It gave me a different perspective that I hadn't even been thinking of, because a lot of the time I'm telling myself "it's ok, things are ok, your twenties are about screwing up". Most days, I give myself such a hard time ALL OF THE TIME for not having my shit together, that it feels really, really nice to read or hear that other people have been fucking up too. That doesn't mean we don't all have to pick up our game & better-now-rather-than-later, etc: but I'm in the journey & I haven't yet arrived at that debt-free destination. Thanks Mike for being so nonjudgmental about people whose lifestyles are totally the opposite of sensible, and THANK YOU LOGAN for your honesty with your finance woes: I laugh, I tense up like a frightened meerkat when I see how similar our thought processes are, (eg when shouting friends dinner on your almost-maxed-credit-card because it just feels so NICE).. And I breathe a sigh. Knowing I'm not alone in WORKING ON FIXING THIS is helpful.