Who does MSNBC think it’s addressing, or in other words, who does MSNBC think is the target audience for this article? The same people who were shamed for eating avocado toast seven years ago?

By shopping with cash instead of credit, that can help limit spending to an exact amount, McClary said.

For debtors who feel stuck, talking to a nonprofit credit counseling agency can help with budgeting and managing debt, he said.

Oh thanks, why didn’t we think of these brilliant insights!