Context: I ran up a good amount of credit card debt in my twenties and did n't get it under control until the government came in and took 25 % of my paycheck for back taxes . I always had the choice of paying it off a little at a time but , I did n't make that choice . That was then and this is now .

Question: Why did I choose to have debt ?
Options:
0. None of the above choices .
1. I wanted to spend money
2. I wanted to pay it off
3. I wanted to make mistakes
Answer: 1

Question: How do I feel about having that debt now ?
Options:
0. I think I should go into more debt
1. I think I did not learn my lesson
2. I think it was a mistake
3. None of the above choices .
Answer: 2