I used to have a really bad credit card problem when I was younger. I got to college and I got credit cards. It was just too easy to spend the "money". It was like play money. The 90s was a time for "collectibles", and everything was a collectible. There were collectible beanie babies, barbie dolls and action figures that were actually kind of geared toward adult collectors. The Barbies had lines specific to the adult collector, and female action figures were created in "limited edition". Then of course there were collectible editions of comic books and everything else you could imagine. I honestly think it was the decade of the collectible. Mass produced toys had been around, maybe since the baby boomers' childhoods, and nostalgia raised prices on old toys leading to this bizarre creation of an entire collectibles market and prices that were artificially inflated for new products. So, my toy collecting, along with the fact that I was a musician and also collected guitars, among other things, led to major debt problems. I was a college student with no job, and yet credit card companies were offering kids something that was too tempting. 7 years out of college, and I was still paying off my credit cards. My parents had helped me two other times, but I kept imagining the money was real, and that I was rich and successful, and I'd end up in debt again. I probably wasted at least 30K, which doesn't sound like a lot stretched out over years, but the interest is insane, even if you never miss a payment. Finally, stuck at a low paying job, even with a college degree, my parents agreed to help me one last time. I can now finally start to think about getting into grad school. But so many years were wasted paying bills. Please, I beg you to warn your boyfriend, but give him love and support. He will need it. Hobbies are fun, but MAKE SURE he has the money for his purchases. Keep a "lego jar" and save up cash for that special lego set every few months. Make it fun. I know what it is like to be a toy lover, but I also know financial ruin and spending addiction all too well. I would have been severely depressed if I weren't for the love and support of my boyfriend of 12 years, and my family. I learned the hard way. Don't let him waste his 20s in debt.