Executive Summary
Temptation is as old as Eve’s apple and Pandora’s box. It’s a common theme in our stories and movies too. Pinocchio told lies, Luke struggled against the Dark Side, and Homer Simpson has a weakness for donuts.
We’re drawn to shiny, tasty, fun, and luxurious things even when we know they’re not good for us. That’s the way it is with overspending: emotions dominate our good sense. Temptation hits us when we’re weak, hungry, or tired. We give in when we’re sad or anxious. We lose the battle when it comes to our appearance and social pressures. Whatever reasons we use to justify our lapses in judgment, the bottom line is the same: our nation suffers from consumer debt because of overspending. It’s a problem we all need to fix.
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