spend less
i agree.
if everyone didn't go waste their money on new cadillac's/hummer's/etc they would be able to pay off debt and invest for their retirement (we all know that the company will not do it for you anymore)
materialism is rampant in our society. Hard to imagine what it will be like the next 10-20yrs.
Educating your children on the pitfalls of such decisions is vital. They probably won't listen now.... but hopefully will thankyou for the "talk" later in life.
cheers,
500and2