In the old days, the Old American Dream is to achieve financial independence and stability for you and your family. Today, times have changed. The "New American Dream" is to stay out of debt. No mortgage, no credit cards, no bank loans. Don't get enticed by advertisements encouraging you to apply new credit cards (because of special gifts & offers) and new bank loans. Don't follow the footsteps of Obama's Administration. Spend wisely and use debt discreetly.