To have, or have-not? I prefer to be a have.

If you doubted that we are moving toward a two class society, the haves and have-not's, look no further than the data from the recently wrapped up holiday shopping season.

Retailers reported one of the strongest seasons within four or five years, yet, the majority of American consumers, we're still in a cranky mood.

"If consumers are so downhearted, why are they spending so freely? One explanation might be that this economy is great for those with money to invest and to spend, but not so great for the majority of folk who rely on their paycheck to make ends meet and whose wealth is in the house."

Read more on why being a have was better than a have-not in the full article here.

While it is important to put these in perspective, being a have sure does have its benefits.


About Anthony Candella

Anthony is the founder and Directing Attorney of and has been helping consumers just like you understand and improve your credit and financial situation since 2003.