They make less than I do, but if/when push came to shove I could make it on $10 a hour and the wife working part time. I have almost no credit card debt, and the debt I do have is on terms, for example the sears card, and I just paid 1/3 of that off, and Sears (Citibank) is so hungry they are giving a extra 20% off to good customers who make over the minimum payments. So I purchase goods on sale, get a extra 10% off, and now when they are on terms with almost a year left and I was planning on paying it off anyway, they give me another 20%....... How can people fuck this up so badly? Get good credit, and wait a bit for what you want. I bought a King Size bed and Egyptian cotton sheets from Sears, saved 50% on the bed, plus a 5% coupon they sent, plus 10% for using my card online, and now 20% off that. So a bed that cost $2700 normally, less 50% ($1350), less 5% ($135), less 10% ($270), stacked discounts none the less for a total of $945, and now less 20% for a final total of $756!!! On the other hand my dumbass brother blew his income and tax rebate/stimulus on a plasma and PS3, and they now have one running car. Living in a 20X45 trailer. I am hoping next week to trade my wife's Highlander for a newer one that has the third row seat. And with a year difference and 6K more miles on ours we should still have a grand left over for buying right, and overpaying.