Both. I am also not a fan of generalizations, but in this case, I think, like I said, it is a generational tendency. Generations are known for things that are more common in their age group. My parents generation, that grew up in the depression scrimped and saved, saved for retirement, paid cash for things, paid off their houses in 30 years or less. My generation, the baby boomers, used credit, over extended themselves, many are heading into retirement with decades left on their mortgages, and not enough saved.