Whether it is credit cards, student loans, mortgages, or car payments, it seems like just about everyone has some kind of debt to repay. In fact, in The Life Uncommon poll we ran on this site from January 1 – February 15, 49.9% of voters checked off “getting out of debt, man,” as their big goal for 2011. Debt is a scary thing that has in some ways become more palatable over the last decade (at least here in America). It is no longer shocking to hear of someone who is working to dig themselves out of tens of thousands of dollars owed to Visa or Mastercard – a situation that, twenty years ago, was considered a mark of shame. And ever since the housing crisis/market crash of 2008, it has become hard to find someone – from your Aunt Edna to your grocer – who isn’t in the red somewhere. If you’ve managed to steer clear of being beholden’ to others in this way, bravo…and if you haven’t then you are in good an extensive company. I got my first credit card when I was 19 to take with me as an alternative to cash on the Great European Spring Break Adventure of Junior Year. I was scared to death of it and was insanely cautious with how I used it…yet somehow in the…



