"I do not hold that against them at all. But the gloating is unbecomming if they do not consider their means are above others."
Actually, they do consider their means being more than most, and consider those who don't make as much as they do as being stupid, or lazy, or both.
There is much good advice here. Credit cards are evil. They are a good tool, but they are a power tool. Power tools, used incorrectly can injure you severely!
It's just that, in general, there is an extremely large helping of condescention with the advice.
We tried to do a Refi home equity loan, by the time the mortgage company got their cut it wasnt worth the trouble.
We backed out of the deal but it cost us $350 for a stinking home appraisal. unghh.