The sad thing is many of them get so overwhelmed with the debt and other things going in their lives. Once they get to this point, it is difficult for them to deal with the real issue because of the stress of the debt. And when it comes to couples, if one is a spender and the other not so much, the nonspender sometimes feels as if their significant other is spending, they should be able to spend too. And that recreates a vicious cycle.