Do you constantly think of things to buy? Have alot of things you bought but never used half of them? Constantly regreting previous purchases? Craving more of what Apple has to offer? These are just a few questions to help evaluate yourself. Many people are in debt mostly because of materialism. Wanting a product that they cannot afford at the time and buy it even though the purchase could wreak financial havoc. Our patience can grow slim when it comes to something shiny.