Joel chats things up on this new bankrate survey finds that folks are willing to go into debt, just  to have fun. He explains how an echo housing boom finds the costs of home ownership going up - even if you bought just a few years ago. Joel dives into gambling and how much Americans are wasting their money by doing so. Joel takes caller’s calls where he breaks down the differences between bankruptcy and debt restructuring. Plus, a new Supreme Court ruling challenges impact fees in the state of California.