“I work hard, so I deserve a nice vacation.”
“The kids are only young once, they deserve the best of everything.”
“I’ve worked all my life, so I deserve to retire in comfort.”
“I’ve paid my dues so I deserve a promotion/raise.”
“I’ve never had a nice car, so this time I deserve a convertible sports car.”
The problem is, almost all of these statements end with some variation of, “But I can’t afford it so I’ll have to go into debt to have it.” What these people don’t seem to understand i...