You can dig yourself out of debt.
A man in his late 20s recently revealed on Reddit that he racked up $16,000 in credit-card debt in four years, after one undisclosed medical emergency, getting married and having a baby, and what he calls “slow spending” piled up on the card. He signed up for the card when he was just 23.
At his lowest point, he was virtually cleaned out. “I actually saved my very last dollar and have it taped to my steering column in my truck,” he wrote. “And when I say last dollar I truly mean it. We had negative balance in the bank and overtaxed all our cards.”
But he and…