So I was getting a haircut (big sale on at the place in question) and I was really impressed with the young woman giving me my hair cut. She was working two jobs, something like 50 hours a week or even more. She was using the extra money to pay off debt. So far so good. I kept mentioning the investing possibilities, or just the good lifestyle options that open up when you wipe out debt and move unto the financial offensive. But, everytime I mentioned this, she kept mentioning that the main reason for all this debt destruction was to improve her credit score. She wasn't excited at all about the mere fact of paying off her car, which IIRC was one of her goals, but rather the credit score improvement that would come with doing so. You can lead a horse to water...