Get Out of Debt

There's almost nothing worth borrowing for, especially anything consumption related. To me, that's the reason to get out of debt. I think there's great value in having lower expenses. Most people are at maybe spending somewhere between 90 and a hundred and ten % of their money. But if you view it as something that's worth achieving, because it ultimately brings you greater peace and satisfaction and happiness, you'll work towards it. And it's not, it's not a sacrifice. It's a pleasure.