American consumers are facing difficult times. It is in our nature to be responsible with each other. Economic forces have undermines the household’s financial future. Marketing slogans like Just Do It, Buy Now Pay Later, 0% Interest For 6 Months and I am sure you can think of more, have infected the majority of citizen. It is all about surrounding yourself with the trappings of the rich and famous.

Now many of us have the great home or homes, cars, boats wardrobe, jewelry and such. Like the rich and famous we find that those thing alone don’t bring us happiness. But many discover that we work to support this living standard and loose our happiness and any hope of a sound financial future.
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