Rachel Webster

Richard, the program's author, who apparently wrote all the texts himself, described people in his own group as cultural leaders.

Richard, the program's author, who apparently wrote all the texts himself, described people in his own group as cultural leaders.

And for Richard Colon, the man who succumbed to the unrelenting pressure of compounding credit card debt, he was part of the Happy Families, Families Making Good group. When John did his investigation into the death and debt of Richard Colon, he found that the most lucrative demographic for credit card marketers was the Happy Families category.

And for Richard Colon, the man who succumbed to the unrelenting pressure of compounding credit card debt, he was part of the Happy Families, Families Making Good group. When John did his investigation into the death and debt of Richard Colon, he found that the most lucrative demographic for credit card marketers was the Happy Families category.

In 2024, MasterCard reported a profit margin of nearly 50%. Visa's was even higher. In comparison, on average, U.S. businesses consider 7% profit to be normal and 20% to be high.

In 2024, MasterCard reported a profit margin of nearly 50%. Visa's was even higher. In comparison, on average, U.S. businesses consider 7% profit to be normal and 20% to be high.

With a 24% APR card, which is the average in America, nearly half of those cardholders could default. And it would still be profitable.

With a 24% APR card, which is the average in America, nearly half of those cardholders could default. And it would still be profitable.

They've turned it into a killing.

They've turned it into a killing.

So they came up with a new idea to peddle, which is, life is short, we'd better live it to the fullest. Budgets be damned.

So they came up with a new idea to peddle, which is, life is short, we'd better live it to the fullest. Budgets be damned.

When you have a credit card, you don't really have to ask. And when Alina finally left Capital One and set out to interview dozens of people across the country, she found that this is exactly how people were using the credit cards.

When you have a credit card, you don't really have to ask. And when Alina finally left Capital One and set out to interview dozens of people across the country, she found that this is exactly how people were using the credit cards.

As emotional creatures with a strong desire to connect, to show love, to create meaning, we will always do these very human things, if we can. An easy access to credit makes it nearly impossible to draw a hard line between what we want and what we need.

As emotional creatures with a strong desire to connect, to show love, to create meaning, we will always do these very human things, if we can. An easy access to credit makes it nearly impossible to draw a hard line between what we want and what we need.

In her extensive interviews, Elena found that most of us use credit cards when we're feeling optimistic, when we're at our peak earning years. And instead of saving, we're handing large percentages of our disposable income over to the banks in the form of fees and interest and everything else we don't pay attention to.

In her extensive interviews, Elena found that most of us use credit cards when we're feeling optimistic, when we're at our peak earning years. And instead of saving, we're handing large percentages of our disposable income over to the banks in the form of fees and interest and everything else we don't pay attention to.

You were planning a honeymoon?

You were planning a honeymoon?