Last three paragraphs:
Several polls have shown that large majorities are planning to use the tax rebate coming later this year to pay off debt rather than buy new stuff. Beyond that, evidence of a major attitude change is still sparse.
"People are more aware than they were two years ago," says get-out-of-debt guru Dave Ramsey of the callers to his radio show, which airs on 350 stations around the country. "I don't know if they're doing anything about it."
Ramsey, who also has written a couple of best-selling advice books and is a regular on the new Fox Business Network, does allow himself to dream. "It's like a whole generation woke up one morning and realized that cigarettes kill you," he muses. "Maybe a whole generation will wake up and realize that collecting points on your Discover card doesn't make you rich."
And, a Dave Ramsey plug to boot! Perfect!