If your FICO is below 500 or you’re still waiting for your college degree to do what your parents swore it would, you need to pay attention here. We’re going to prove that you don’t have to go into credit card debt in order to look like a million bucks. Surf fashion has come a long, long way from aloha shirts and corduroy cut-offs. Hell yeah, we’re now serious competition to brands whose names only Elle Woods can pronounce. The photo above features a Shopbop.com ensamble that costs roughly $1,159. Below is our dose of reality at $219.50. Um yeah, you do the math.