SHOOT: Face the reality of your finances, before you're wiped out. Bad decisions now will be punished, so be disciplined, and try to make good decisions. They'll be tough and less convenient than you're used to, but you might emerge as a survivor.
You are Saving Less Than 5%
Your Credit Card Balances are Rising
More Than 28% of Income Goes to Your House
Your Bills are Spiraling Out of Control