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Re:Millions of Americans Get Wages Garnished Over Credit Car... by zo1 on Monday September 15, 2014 @10:51AM (#8319212)
"overspend or manage finances poorly"

The sort of debt that you're talking about goes way further than the narrow perspective that most take on it. It begins before you are even born, and I think we should all ruminate on that.

Let me elaborate a bit, despite consistently getting down mods for expressing this point of view before. The debt begins with the parents that choose to have kids when they are unsure of their financial wellness and security for the years to come of their child's growth to adulthood. i.e. People shouldn't be having kids unless they're damn sure they can take care of them till they're adults and able to take care of themselves.

Re:Millions of Americans Get Wages Garnished Over Credit Car... by reverend_gonzo on Monday September 15, 2014 @10:58AM (#8319256)
Huh? How many people in their 20s know for sure that they're going to be financially well off for the rest of their lives and there isn't going to be a stock market crash or some tragic event that substantially changes the economy?

I have friends who were commercial airline captains in 2000. Then 9/11 happened, and they went on furlough for a number of years and had to work places like Best Buy.

You're saying they should've known that their career was about to get upended and shouldn't have kids because of that?

Re:Millions of Americans Get Wages Garnished Over Credit Car... by zo1 on Monday September 15, 2014 @11:44AM (#8319521)
I wouldn't say they have to do anything drastic, but just make sure that they have a reasonable buffer. Individuals that are in those sorts of situations have many more options available to them when unforeseen life events occur. However, much of the ladder below them is fraught with people that would be ruined if even a delicate imbalance in their lives occurred.

Those are the types of people that need to watch their actions, and count their beans carefully. They're the ones I was speaking of specifically.

Re:Millions of Americans Get Wages Garnished Over Credit Car... by smtddr on Monday September 15, 2014 @10:57AM (#8319253)
>>The debt begins with the parents that choose to have kids when they are unsure of their financial wellness and security for the years to come of their child's growth to adulthood.

Having children should not be tied to having X amount of money - https://news.ycombinator.com/item?id=8177836

Re:Millions of Americans Get Wages Garnished Over Credit Car... by zo1 on Monday September 15, 2014 @11:52AM (#8319563)
I'm not saying that you should have X amount of money in order to have kids. The statement is "you should have enough money to enable you to take care of your kids into adulthood, because doing so otherwise is negligent". It's not a matter of money, but about lack of negligence and burden.
Re:Millions of Americans Get Wages Garnished Over Credit Car... by smtddr on Monday September 15, 2014 @02:32PM (#8320527)
>>you should have enough money to enable you to take care of your kids into adulthood, because doing so otherwise is negligent

I would phrase this as "Society should be structured such that money isn't a concern because there is a safety net for everyone to be caught in aside from the extreme cases like say that "octo-mom"[1] situation.

1. http://en.wikipedia.org/wiki/Nadya_Suleman

Re:Millions of Americans Get Wages Garnished Over Credit Car... by bryanlarsen on Monday September 15, 2014 @10:59AM (#8319274)
For many, choosing not to have a kid means choosing not to have an abortion. So you appear to be saying that having an abortion is the moral high ground. I'm not saying that you're wrong, but I am saying that you shouldn't be surprised when people react vehemently
Re:Millions of Americans Get Wages Garnished Over Credit Car... by zo1 on Monday September 15, 2014 @12:01PM (#8319617)
I don't mean to be facetious here, but babies don't just pop out of nowhere. They have to be conceived through sexual intercourse (generally). Not having unprotected sex is the moral high ground, not abortion. Let's not get into that sticky topic as it's a corner case (rape, etc).

I'm not so sure that that is the sole reason they get touchy about the topic. I think somehow people view having children as some sort of inherent "right" of being a human. Sure, of course no one should stop them from doing it. All I'm saying is that it's not very moral or virtuous to bring a child into this world that you can't reasonably take care of till adulthood.

Re:Millions of Americans Get Wages Garnished Over Credit Car... by bryanlarsen on Monday September 15, 2014 @02:11PM (#8320390)
Are you familiar with the rates of birth control failure?