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    to credit--one that can turn the American Dream into a life-destroy
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    Being able to buy things on credit has allowed Americans to own and enjoy things--often for years--without having to wait and pay cash for them. In that way, the concept of credit has been a boon to experiencing the American Dream. Unfortunately, there is also a dark side to credit--one that can turn the American Dream into a life-destroy
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    or them. In that way, the concept of credit has been a boon to experiencing the American Dream. Unfortunately, there is also a dark side to credit--one that can turn the American Dream into a life-destroy
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    iencing the American Dream. Unfortunately, there is also a dark side to credit--one that can turn the American Dream into a life-destroy
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    to credit--one that can turn the American Dream into a life-destroying nightmare.

    The figures are startling. More than 70 percent of American divorces are caused by the stress brought on by financial difficulties, and three out of every four Americans are a mere three paychecks away from having to face potential default on their de

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