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- you operate your PERSONAL finances at a deficit (the same way the government operates our nation's finances)
- you record all your financial transactions in the MISCELLANEOUS category
- you can fit your "written budget" on the palm of your hand
- your idea of a monthly allowance is "whatever is left"
- you cannot identify $5, $10, or $20 bills when you see them in circulation
- you think, because of the free t-shirts, filling out credit card applications is a good way to beef up your wardrobe
- you have figured out a way to "float" your online bank payments
- you have been "hand picked" as the representative for your bank's overdraft protection ad campaign
- you think it is easier to have your paycheck direct deposited straight into your creditors accounts to "cut out the middleman"
- your children create their "wish lists" from the credit card company REWARD program brochures
- your financial plan includes the words "winning the lottery"
