Writes Chris Wilkerson: I remember you posting this awhile ago, I am so proud of our country (sarcasm), the credit crisis has brought layaway advertising back. I was listening to one of my favorite financial shows (Dave Ramsey, who wishes to balance our government’s budget severely), and a Sears commercial came on advertising they have layaway, rather than credit cards. Of course my real point is instead of teaching our citizens that they should live within their means, we’ll just offer them different ways to consume as usual. My friend Lance [who has a radio show here in Houston] always … Continue reading #1, Spend Less Than You Earn