I can honestly say I was in debt since I was 16 years old. When I was 16, I started driving a 1997 Toyota Tacoma. White, stick shift, 4 cylinder, two-wheel drive; nothing special. My parents added me onto their insurance. Since I lived in Florida, was 16 years old, and it was in my name, I paid over $300/month for it. I couldn’t afford this much working part-time, so my parents were covering the difference. But, I had a “tab” I knew I wanted to pay back. Since then, I’ve borr