I heard that commentary on NPR and it's really made me think a lot about my own lifestyle and choices we've made. While we certainly don't live too "high on the hog," we also have allowed ourselves to amass a shocking (to me) amount of debt. Granted, we knew we were making some sacrifices in our financial position so my husband could change careers, but the point is, we DIDN"T make any sacrifices in our actual lifestyle at the same time. Hence, the debt. I guess we'll pay now. But, I wonder why we didn't adjust at the time.