If there’s one thing I’ve learned since taking on my own debt it’s that it didn’t happen until my wife and I decided what it was we wanted out of life. Once we realized where we wanted to be, the next step was figuring out how we were going to get there. This leads to one very important question.

What is keeping you from getting there?

The hard part was going against the grain of society and coming to terms with the fact that debt is not the tool people claim it to be. Some people are able to “leverage” debt to their advantage, but criminals are able to commit crimes without getting caught too. Just because something is possible doesn’t make it the right path to take. What usually happens – in either case – is that life eventually catches up with you. When your luck runs out it will all come crashing down.

Living the life of a criminal is too risky and so is living a life straddled with debt payments.

Your income is too valuable to your future for you to swindle it away on the idea that debt leads to prosperity. What it does is eat away at your paycheck little by little like starving termites until you have nothing left. No money, no hope, and no ability to craft the life you desire. DEBT IS the black hole of personal finance!

“Becoming debt free is like walking barefoot on soft fluffy green grass as opposed to running through a sharp field of burweeds & sandspurs!” – Enemy of Debt

Today you have to decide! What do I want out of life and what must I do TODAY to get there. If you figure that out you’ll be well on your way to a better financial future. You WILL NOT get out of debt until you have a reason to do so. It has to be high on your list of priorities and it has to be emotional. Otherwise you won’t take it seriously enough to make it happen.

So why do you want to be debt free?

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