The other day, as I was entering the dorm, I had a thought. I know, crazy ain’t it? Me, having a thought! Anyway, the thought was this: no wonder people leave college with so much debt! See, as they walk into the dorm, they swipe their ID card. As they walk out of the dorm, they swipe their ID card. Even if they only leave the dorm for meals, they swipe their card at least 6 times a day. It only takes 26 days to create a habit, (and 76% of statistics are made up on the spot) so after 26 days of college life, swiping cards must be habitual. So what do we do? We walk into the dorm and we swipe our card. We walk into a store and swipe a different card. We walk into another store and swipe yet another card. Soon it happens: debt, overspending, inability to meet monetary obligations. It’s unavoidable.
At least, that’s my theory.