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You're going to be married with kids, and you're going to be like, I didn't live my life." And so she has, debt be damned: In the past few years, Harry has skied Vail and Breckenridge in Colorado, hit Art Basel in Miami Beach, seen dance performances once a week, and gone through spurts of free-fall online shopping (

You're going to be married with kids, and you're going to be like, I didn't live my life." And so she has, debt be damned: In the past few years, Harry has skied Vail and Breckenridge in Colorado, hit Art Basel in Miami Beach, seen dance performances once a week, and gone through spurts of free-fall online shopping ($1,000 on six maxi dresses here, $1,500 on furniture there), all with the help of three credit cards. Whether we're doing it consciously or not, a lot of us play Russian roulette with our credit cards.Nearly half of American households with at least one credit card carry a balance, says Gary Mottola, a researcher at the FINRA Investor Education Foundation.This holds true even for those of us who are otherwise money- savvy.According to Mottola, almost a quarter of women with "high financial literacy"—i.e., who have a basic understanding of how things like interest rates and mortgages work—still play it fast and loose with their credit cards.Maria Stephens, a 27-year-old software engineer making six figures in Atlanta, racked up $11,000 in debt over years of charging meals out with friends and buying things like the $600 designer laptop bag that cost almost as much as her new computer.

||

You're going to be married with kids, and you're going to be like, I didn't live my life." And so she has, debt be damned: In the past few years, Harry has skied Vail and Breckenridge in Colorado, hit Art Basel in Miami Beach, seen dance performances once a week, and gone through spurts of free-fall online shopping ($1,000 on six maxi dresses here, $1,500 on furniture there), all with the help of three credit cards. Whether we're doing it consciously or not, a lot of us play Russian roulette with our credit cards.

Nearly half of American households with at least one credit card carry a balance, says Gary Mottola, a researcher at the FINRA Investor Education Foundation.

This holds true even for those of us who are otherwise money- savvy.

,000 on six maxi dresses here,

You're going to be married with kids, and you're going to be like, I didn't live my life." And so she has, debt be damned: In the past few years, Harry has skied Vail and Breckenridge in Colorado, hit Art Basel in Miami Beach, seen dance performances once a week, and gone through spurts of free-fall online shopping ($1,000 on six maxi dresses here, $1,500 on furniture there), all with the help of three credit cards. Whether we're doing it consciously or not, a lot of us play Russian roulette with our credit cards.Nearly half of American households with at least one credit card carry a balance, says Gary Mottola, a researcher at the FINRA Investor Education Foundation.This holds true even for those of us who are otherwise money- savvy.According to Mottola, almost a quarter of women with "high financial literacy"—i.e., who have a basic understanding of how things like interest rates and mortgages work—still play it fast and loose with their credit cards.Maria Stephens, a 27-year-old software engineer making six figures in Atlanta, racked up $11,000 in debt over years of charging meals out with friends and buying things like the $600 designer laptop bag that cost almost as much as her new computer.

||

You're going to be married with kids, and you're going to be like, I didn't live my life." And so she has, debt be damned: In the past few years, Harry has skied Vail and Breckenridge in Colorado, hit Art Basel in Miami Beach, seen dance performances once a week, and gone through spurts of free-fall online shopping ($1,000 on six maxi dresses here, $1,500 on furniture there), all with the help of three credit cards. Whether we're doing it consciously or not, a lot of us play Russian roulette with our credit cards.

Nearly half of American households with at least one credit card carry a balance, says Gary Mottola, a researcher at the FINRA Investor Education Foundation.

This holds true even for those of us who are otherwise money- savvy.

,500 on furniture there), all with the help of three credit cards. Whether we're doing it consciously or not, a lot of us play Russian roulette with our credit cards.

Nearly half of American households with at least one credit card carry a balance, says Gary Mottola, a researcher at the FINRA Investor Education Foundation.

This holds true even for those of us who are otherwise money- savvy.

Meet girls who want to sex no credit card-31Meet girls who want to sex no credit card-7Meet girls who want to sex no credit card-6Meet girls who want to sex no credit card-41

I'm more liable to rack up a huge bill shopping than to do something daredevil-y.

The 36-year-old nonprofit corporate sponsorship manager felt triumphant: "Like, I'm going to look so cute, and I deserve it," she says.

It was the fall of 2013, and after racking up more than ,000 in combined credit-card debt between the two of them over five years—the result of expensive meals out, friends' weddings, and impulsive trips—the couple had finally put their finances in order.

"I have this super-focused, responsible side, but there's also this easy-breezy side to me. A few years ago, with the help of a large tax return and careful budgeting, she paid off ,000 in credit-card debt.

But eventually, her wild-child side took over again.




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