Part one of term paper
Our nation is in dire financial straits. However, the nation's situation is only a reflection of our personal failures in our inability to "Just Say No" to ourselves. We must have everything and we must have everything now. We have become a country of consumers instead of a populace of producers. Let's face it, too many families are drowning ...

Part two of term paper
... to 93% of annual income. USA Today has reported that for the last five years, finances have been the number one subject of most New Year's Resolutions. It used to be weight. Something is definitely amiss. These statistics have been building for years but it is no longer just the baby-boomers problem. My generation just embarked down the same ruinous path. Many students come out of school not knowing how to balance a checkbook. College is where you start learning firsthand a ...