Read the following paragraph and answer the question. Give ONLY the answer, no other words or explanation.

For example:

Answer: <most likely answer, as short as possible>.

Paragraph: I ran up a good amount of credit card debt in my twenties and did n't get it under control until the government came in and took 25 % of my paycheck for back taxes . I always had the choice of paying it off a little at a time but , I did n't make that choice . That was then and this is now .

Question: Why did I choose to have debt ?
I wanted to spend money
I didn't make the choice to pay it off.