Since we are typically a product of our environment, we have seemingly become accustomed to placing as much of our lifestyle on credit as possible. However, with our average debt per individual ballooning to $51,900, we are left with no financial margin. We have $14.35 trillion in aggregate debt, with no plans of slowing down. Being that the majority of the population cannot cover a $1k emergency without going into debt, we utilize debt in many forms as a personal bailout plan. Unfortunately, many of this is further exacerbated by credit being further extended on unsecured debt products with high interest rates. The real question is, can you actually afford the lifestyle you live? Not can you afford the payments, but can you afford to purchase the lifestyle you have without debt?