The personal “re-birth” stories of many personal finance bloggers on the web looks very similar: a crisis triggered by unmanageable debt, the “come to Jesus” moment, and the redemption, usually through hard-won frugality, thrift and penny-by-penny savings. The virtues usually extolled are the need to get out of debt, the importance of understanding the math behind money, and of course, the magic of compound interest in investments.