You are not alone in this. Some of As are earning more than $100,000 a year, others are on unemployment. Some owe tens of thousands of dollars, others no more than $500 or $1,000. But debt is debt, no matter how much we earn or how much we owe . And sooner or later it can, and frequently does, poison our lives.

Eventually, we begin to juggle our money week to week and month to month, frying to stay on top of bills and responsibilities. We walk a tightrope and live in apprehension of impending disaster, in fear that we’re going to run out, that we won‘t have enough , that we'll be caught in a squeeze, that we’ll be hauled into court.

This fear exerts ever more pressure on us. It begins to disrupt our lives and personal relationships. It Sucks the joy and pleasure out of our days. The emotional and physical toll becomes enormous. In time, it exhausts us. We come to feel defeated and hopeless. We grow depressed. We live in anxiety and despair. We experience pain and perhaps even impulses toward suicide.

Being in debt, regardless of the level of discomfort, is an unpleasant condition for anyone. It is also wholly unnecessary.