1) Americans expect to spend about $850 on Christmas this year. 2) Americans historically put over $1000 on credit cards every year. 3) Three quarters of respondents say they failed to properly budget for the holidays. 4) Same link - fully a quarter of those responding said it would take more than six months to pay off the balance. The argument of the article is that the phenomenon of "Black Friday" is an engineered device designed to prompt consumers into over-spending. I'll say this - the guys I know who sweat money the most are also the guys I know posting about Black Friday crowds on Facebook. I mean yeah - Park Place sent me an email this morning letting me know they've got a "Black Friday Special" on a used McLaren 650S. But ain't nobody training McLaren dealers how to deal with shopping riots via muthafuckin' VR.