To become victorious over debt in America, as consumers I think we need to ask ourselves this question and learn our true reasons for being so far in debt. Because of the natural law of cause and effect we need to examine the causes for our personal debt before we can find the cure or financial fix. It is a lack of money (income)? Is it because credit cards and other loans are easy to get? Maybe it is all the tempting ads inviting us to buy things we really don't need (more stuff). What do you think are the real causes (reasons)?