Planning for the worst hoping for the best

debt free couple

I recently read a disturbing comment posted on a Facebook group that was devoted to debt-free living: “Life happens and we have no control.” The comment illustrates a certain thought process, one we all know exists, one to which you may even subscribe. The member who left it was recounting his hardships, trying to explain why he had fallen into debt and, as a result, had become a worse credit risk than Bernie Madoff. I had to bite my tongue — or rather, refrain from my keyboard. After all, I…