1.) She is addressing people that have problems with their credit cards. She is trying to help people that are in need of paying off their credit cards. She gives tips and pointers on how to pay it off the easiest.
2.) In paragraph 2, Orman uses the term Broke by Choice. She goes on to explain that this means that it is the person’s own fault that they are broke because they are spending money on items that are not necessities. In paragraphs 20 and 21, Orman explains the best way to get out of credit card debt. She also states some cause and effect about credit card debt. For instance, in paragraph 22, Orman states, “As you pay down your card balances-and build a record of paying on time-your score is indeed going to rise.” This is a great