Why We Are In Debt written by Walecia Konrad and Emma Johnson. Nearly all of us are seduced into overspending at some point. You owe it to yourself to understand why you are in debt—and learn how to break the cycle. Typefaces: Cyclone (modified), Fenway Park (modified), H&FJ Numbers (modified), Raleigh Gothic (modified), Refrigerator Deluxe (modified), Sackers Gothic (modified),Trade Gothic (modified).