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finance daily reject the everyone has debt mentality by Paula Pant of Afford Anything.com.

Recently, Ben, a nice-looking fellow who works at an oil rig in the Gulf of Mexico,

wrote a detailed story about how he and his wife repaid $90,000 of debt.

Their debt didn't include a mortgage.

It consisted of car loans, credit card balances, student loans, and a $10,000 bank loan to pay for their wedding. Ben's story included a

powerful sentence, which he uttered the day he tallied his debts. Quote, I knew we owed some money,

but I assumed this was a normal part of living

in the real world.

He goes on, everybody has car loans,

everyone has credit card debt,

everyone has student loans,

but it wasn't until I added all these balances up

that I knew we had a problem, end quote. Not to harp on Ben, he's done a great job cleaning up his finances, but I hear his premise

repeated enough that it's time to put an end to it. Let me be clear. This mentality, the everyone

has debt mentality, is dangerous. There's an idea that it's okay to carry

debt because everyone else is doing the same I call this the normalization of debt

Trent Ham author of the simple dollar describes the same experience when he

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