I'm not suggesting that what I'm about to say should be done now. It may be too late. But, I played the fiat debt game. I wanted my little piece when the faucet was flowing. The real crime is that kids in my generation were taught to save your money in the bank. Stay away from debt. Meanwhile, the big boys borrowed as much as possible and now own the assets that appreciated during the Ponzi scheme. The savers are eating cat food in their retirement. OPM- buying assets with other people's money.