He who swims without the pants........

Overspending is a trait much encourage now. With credit easily available, people are enticed to spend more than they can afford. You don't have money, just borrow! What's the problem? None actually if you know how to count your chicken before its hatched. The problem is not many of us know! Its only when the tide recede do we know who is actually swimming without their pants on, as one billionaire famously said! By then, its too late.