Scott Earl said these statistics are worth paying attention to:
* 20 years ago, the average family debt represented about 66% of discretionary income. Today, debt represents 113% of discretionary income.
* Some five-billion preapproved card offers totaling $300,000 of credit per family are sent every year.
* Individuals are 49% more likely to go without health insurance today than a generation ago.
* Medical costs send 150,000 families to bankruptcy court every year.