How hard is it...

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Then you have as I like to call them - "the suburban hoodrich." Up to their eyes in debt, beautiful house, brand new leased cars(probably mercedes/bmw), kids in private school, etc.

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<p>Thats pretty much the situation here (Fairfield County, CT). I don't think there is as much debt though, considering most of them are able to retire pretty early.</p>

<p>If one was to look anywhere in America it is the same. and another interesting point is that in a lot of cases an increse in income will lead to more spending, but not decreasing debt or more savings.</p>