Wow, do majority of the middle class think like things? Unreal... wait until a "real" disaster hits like one of them losing their jobs then she'll change her "entitled" thinking. Even though I haven't fully embraced the MMM lifestyle... but ever since I've moved in with my GF (9yrs ago) we've always said "let's budget so that if one of use loses our jobs we can still be fine".
"In other words, as far as I'm concerned, we hit a crisis, and we are muddling through just fine. I know that paying 14% to carry $10,000 for a few months isn't smart. But the monthly interest fees seem trivial compared with some of the good times they pay for.
While I worry plenty about the future, I never want that worry to paralyze my ability to live fully in the present. So I'll take the kids shopping and get dinner out. I'll pay for infrequent ski trips and theater tickets. And, on a coming family vacation (prepaid during better times), I'm hoping to finally get the kids snorkeling, a long-standing goal."