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Our nation's collective massive credit card debt, amassed by individuals, should give you a hint. If you or someone you love happens to fit in this category, here are a few thoughts that may help:. Roosevelt once said, "Any government, like any family, can for a year spend a little more than it earns. Our commenting system is more compatible with Firefox and Google Chrome. On the other hand, if people have the means or the wherewithal, as we say, to have all the things they want and do all the things they want to do, I think it's wonderful because that's the American dream. However, this uniquely American penchant -- which is often referred to as "keeping up with the Joneses" -- has pushed many people so far into debt that bankruptcy and financial collapse is a real possibility.

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