As I mentioned yesterday, westerners generally have too much stuff. That is the result of an extravagant lifestyle that television and popular media promote. The idea is that we shouldn't be satisfied with what we have. That's the whole underlying motivation behind much of the advertising industry. Credit cards are a big source of woe for many people. They are a major cause for bankruptcies in America and they are really a symptom of a much greater issue. The issue is dissatisfaction. In the last 17 months, I have paid off over $8,500 in debts. Through listening to Dave Ramsey and reading his book The Total Money Makeover and reading Trent's blog The Simple Dollar, I have come to realize