TLC, thanks for the thought, but I’m actually a very regular BF reader. For example I recently read a piece called “Making My 2016 Book Budget” by the same author who recently listed her CC debt (which had been bounced to a loan from her parents) as $5,600.

Just sayin’ — If you have $5,600 in consumer debt your 2016 book budget should be (hmm…. let’s see… carry the one….) zero dollars and zero cents.

Certainly not picking on any particular writer (whose work I really enjoy). Just making a point.