We American’s often purchase items that we cannot afford and we may not really need. Many purchases actually transfer wealth, that's the cash from your pocket and the opportunity cost, that includes the interest paid, to the banks and other financial institutions.
Few recover from supporting a lifestyle today by borrowing against their future income.
Take a look at the average American:
If there was a way that you could save for retirement and make major capital purchases, reduce your risk, reduce your tax liability, without going into debt and maintain control of your money, would you want to know about it?