Looking back at financial literacy trends from a decade ago, the advice centered heavily on the 20/4/10 rule and avoiding high-interest debt at all costs. Today, it seems the normalization of 84-month auto loans and "Buy Now, Pay Later" services has completely rewired how the average person views their monthly cash flow. I remember when a $400 car payment was considered an absolute emergency, but now it seems people justify double that without a second thought. For those of you who have been tracking your finances for years, do you think the psychological barrier to debt has permanently vanished, or are we just in a temporary cycle of extreme lifestyle creep?