Congratulations, Nevada. When it comes to spending more than you earn and just being bad at understanding how to manage money, there's almost nobody that ranks lower than you.
Twin Falls is a great place to come and have fun. But, it probably wouldn't be a good idea to try and borrow money from us when you're here. According to financial analysts, Twin Falls is rated at #1440 in the US out of 2570 cities. Ouch.