I know this isn't really advice, I just wanted to comment on how much money people can make yet be in so much debt! It's insane. I mean I'm in a lot of debt, but I just graduated from college. But if I made 130,000 a year I would seriously be rolling in dough! I would just save up for the bigger things I needed like cars and houses and just buy them outright! There would not be debt.
It reminds me of the stories in Money Magazine. They feature couples with ridiculous 6-figure incomes and then the couple says they can't retire. Umm, what???
I'm rambling a bit here, but I want to one day start a magazine about real people's money problems. Either that or a tv show. The people will have incomes like between nothing and 70,000 and will showcase their money problems and be given solutions. It would sell big time.