What is the most troubling trend you see in marital debt?

The fact that there’s so much of it, and that it’s bad debt instead of good debt. Good debt is educational debt and mortgage debt. Bad debt is credit card debt and home equity debt, if that home equity was used in place of credit cards—i.e. not to pay for an education or another home—so that you could live beyond your means. Try to live on two-thirds of your income.