From: Sarah W., Falls Church, VA
No matter how hard we work, and how little we spend, we are always struggling with credit card debt. It's mainly medical costs -- therapy for our daughter. The cost of therapy in and of itself is enormous, and we can't afford to pay for it every time, thus the credit card. It's a catch-22, a hamster wheel of expense and debt. We've never charged luxuries or been irresponsible with our card. We are the exploited cash cow for the credit card companies. How are we ever going to save for retirement?