Americans have the most personal debt ever in the history of this country. That’s why. And they are getting rich off your money!

People are getting the words “want” and “need” mixed up.

Never buy a brand-new car unless you have the cash to pay for it and not drain your account.

If you can have a little patience, you can earn interest on your money instead of paying it. Get a CD or some other way of earning interest.

Credit cards and some funky credit companies have high rates of interest.

I’m not dumb enough to think there are never times to necessarily buy a car or house on credit. Please, my fellow Americans, wake up and realize that all these advertisements to buy on credit are just an opportunity for someone to make more money from you!

Dennis Bingham

Farmington