And, by the way, it is not just the younger crowd he is prone to irrseponsible spending; in a US News article on growing American debt (as well as the possible effect of an interest rate hike), they profile a 41-year-old pharmacy technician who amassed roughly $30,000 in debt spread out over eight cards" by paying for vacations, jewelry, and especially shoes, over 600 pairs housed in a custom-bu