By Craig Erwin, Ph.D. At the end of 2021, 44% of 18-34 year-olds surveyed felt like they were drowning in debt. But Americans had made significant progress cutting their average credit card balance to $5668 at the end of 2021’s second quarter from $6728 at the end of 2019’s first quarter. Stimulus checks from the … Continue reading To Build Wealth, Accumulate Assets, Not Debt