Cultivating the Power of Saying ‘NO’

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Student’s Name: Instructor’s Name: Course: Date: Cultivating the Power of Saying ‘NO’ According to a 2017 Federal Reserve report that was released in June, the U.S credit card debt had hit an all-time high of 1.021 trillion dollars (Lamagna 1). This new level had surpassed a previous 2008 report that had set the benchmark of the U.S credit card debt at 1.02 trillion dollars. In another study conducted by the National Survey on Drug Use and Health (NSDUH) in the year 2014, 21.5 million individuals had struggled with substance abuse, alcohol being the leading culprit affecting at least 8 out of 10 of all the individuals that had a substance abuse problem in the US (American Addiction Centers 1). Usually, when statistics that paint a vivid picture of the dire situation of a particular situation is quoted, there is usually a high likelihood that the rest of the article or study will at some point call on the government to implement certain measures so as to remedy the situation. However, this will not be the direction of this speech. On the contrary, this speech will explore how personal decisions and responsibility are to blame for most challenges ailing the situation and also that the remedy can be achieved at a personal level. An analysis of most behavior-related problems faced by individuals in the U.S and the world as a whole can usually be traced back to the development of certain habits which also trace back to simple decisions made in the day-to-day life of individuals. For instance, the humongous credit card debt outlined above reflects the consumption behavior of the current U.S population which in turn can be traced to day-to-day consumption

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