When I was a Hooters Remembers 911 T Shirt , I always thought adults had it together. Now that I’m an adult, I realize that most of us don’t have a clue and we just go day by day, hoping for the best outcome in the end. With that being said, most adults are irresponsible and are far from having it together. Its so easy to get credit cards that people assume they might as well get what they want now and pay it off later. The advertising is also a trigger. Sales marketers know what to say to get humans to want something bad enough to charge it. They love to say stuff like don’t you want to make Christmas special or have your wife fall in love with you all over again! The combination of easy credit and strategic marketing is making Americans broke. We make too much money to be this broke.