@James, yep. I have seen it. They buy the big house, the cars /SUVs, dine out 3-4 or even more times a week, the vacations, flat screen TV in everyroom to include the bathroom, gaming consoles, tablets, new phone every year, etc.
A few days before the next payday they just whip out the credit card.
Savings? Forget it! Plan for retirement? Nope! The kids college fund? Maybe.
