In 2002, Anthony ONeal was partying it up in college. Just one year later, he was $35,000 in debt and living in his car parked outside a Walmart
WMT, -1.58%.
A cascade of bad decisions, including rapid-fire impulse buys and efforts to impress his peers, drove ONeal to that Oceanside, Calif., parking lot.
ONeal’s fall and rise began with a freshman-year hankering…
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