I called him last week and asked how people could reduce their debt. They are just scraping by. They may also have a student loan. They make payments from month to month, mostly minimum payments, and they sink in an emergency. I think this happens because we get the idea that if something is available, we're entitled to it.
Lenders spend a lot of time convincing people that borrowing is smart, so people borrow to spend.
We really get into trouble when we borrow to pay for dinner or to go to an amusement park. We do this with credit cards. After that, it's a matter of simple steps. Start looking at where you are spending your money. Stop using your credit cards.