Chapter Two
The Pack-It-All-In Mentality
Jack wasn’t a philosophical guy; he didn’t step back and exam- ine why he did the things he did. But he did think about one thing: his debt. It had simply gotten out of control. He had burned through his savings and liquidated a couple of retire- ment accounts, and he still wasn’t keeping up with his creditors’ demands. His problem wasn’t the economy. No, he had a great job that paid him well. His problem was that his cravings were bigger than his paycheck. Raised in a poor family, Jack determined early that he was going to be financially successful and give his family all the things that he had had to live without. He worked himself up the lad- der and gave his family things he wouldn’t have dreamed of as a child. The house Jack and his wife, Jennifer, decided on was bigger than what they needed, and the pool out back was just too cool to resist. Turning the family room into a full-blown game room was expensive, but it kept the kids from getting bored. The vacation home at the shore was the icing on the cake — a place
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