One of the seemingly easiest (but secretly tricky) lifestyles to fit into is also one of the cheapest. You might think that those super skinny jean wearing, googly spectacled hipsters are all loaded. Sure, they’re the first ones in line for the latest $600 iPhone, and yeah, they aren’t afraid to drop a couple of hundred bucks on a pair of Wayfarers. But still, real hipsters are likely more frugal than you.

We let our kids aspire to be astronauts, doctors and teachers, and tell them that they can achieve their dreams if they do well in school. When they start elementary school, we tell them that a college education is a ticket to success: a good job, a stable salary, and a place in society. There’s no doubt that most students with college degrees fair better in life than those without, but what about all those unemployed college graduates?

You’ve missed quite a few payments on your credit card, or you’ve nearly defaulted on an auto loan. You stopped paying on your student loans, or never actually started paying for that new furniture you “bought” on credit. Whatever the reason, you just got served with a Summons and Complaint.