You're An Idiot

Did you:

A. Get a good education? You know, something extravagant and wholly beyond the means of normal people, like finishing public High School and getting a degree from the State College.

B. Avoid having children until after marriage?

C. Ever stay in a job that was less than perfect because of security, health benefits, or both?

D. Pay your bills when they were due, including your credit cards?

E. Fail to purchase things you couldn't afford to pay for?

F. Cancel that ridiculous credit card from HSBC the first time they screwed around with posting your payment and figuring out your outstanding balance?

G. Laugh at the nice young man at the bank when he explained to you 15 years ago that you could borrow a lot more money if only you'd sign up for an adjustable rate mortgage or, better yet, an interest-only loan with a balloon payment due in 10 years?

H. Quietly smile when you refinanced your 30-year mortgage with another 30-year mortgage at a time when the bank was giving away money, and the idiots were paying all of your closing costs?

I. Save first and spend second?

If you are able to answer "YES" to a majority of these questions, our economic and psychological experts here at G&S wish to advise you that: YOU ARE AN IDIOT!