Heather Schopp is a chiropractor in California dealing every day with her clients’ physical pain. But her own pain is financial: At age 29 she is more than $170,000 in debt.

“I think about it every day,” Schopp says. “I mean, I lay in bed, thinking in my head, ‘Okay, how much money do I have? What will I have to do tomorrow? Do I have to buy anything?’ “

She should have thought of those questions before she compiled myriad meaningless material things that she could not afford (pay cash for). But this is the high-time preference, gotta-have-it-right-now generation of swines that just don’t get it.

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