Part 1 of Essay
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 f ....

Part 2 of Essay
.... 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 about finances and credit because the credit companies are sending out cards by the buckets to students. Citicorp just spent ten-million marketing credit cards to high- school kids. Sixty-one percent of all college students are carrying a card, and thirty-two percent of those got it before college. However a recent survey showed ....