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After World War 2, the second half of the lasst millennium presented a comfortable way of life. Most people grew up thinking: If they could go to a good college, get a good degree, and find a good job, then when they retire, their union, their company, or the government would take care of them. Saving was not a priority.

Toward the 1980’s and 90’s, money became more accessible through easier loans and credit cards. Spend now and pay later was the mantra. Consumer debt soared. Living with debt became the new norm. From college until old age, many people went through a lifetime of debt beginning with student loans and on to credit cars, car loans, mortgages. etc.

Perhaps the only good thing to come out of the last financial crisis is that more and more people are starting to pay attention to their personal finances. They want to understand how money works and rebuild their financial foundation.