The example I have set for my daughter is not one of living within a persons means, I have taught her to spend without regard for a budget, guilted her to feel she must give more than she has to any and all around her. This is perfect by my standard because it will serve to separate her from her logical realistic husband whom does not subscribe to spending that which is not available so as to give the credit institution their every gain, which is the children's future out the window and blame is on the husband in the make belief world I created.