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North Americans are known for their love of expensive objects and avid consumerism. We own as many credit cards as we can afford, and usually more. We have an innate aversion to saving and what we want, we want it now, why wait? Carpe diem, seize the day! Of course, all of this is great if we can live up to it. What happens when our lifestyle becomes more than we can handle? It is time to relax, cut down on our expenses, and settle for a humbler...