Amen sir!  Hard to constantly do the "responsible thing" and look around and shake your head when you realize you are in the minority.  We've had our fair share of financial set backs, but if all goes according to plan, we will be completely debt free (other than mortgage) in less than two years without touching our six months of reserve savings, while continuing to contribute to our retirement accounts and kids college funds. 

Was especially confounded by the woman in Fairbanks that made 72k a year and had to declare bankruptcy due to her revolving debt load.