Debt, especially credit card debt is probably the biggest obstacle to achieving financial success.  Successful individuals use debt to build wealth, others use debt to finance a lifestyle that they cannot afford.

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Debt used to purchase an asset that generates more net profit than the amount of the note payment is usually a good investment.

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​Using debt to purchase an expensive new automobile (which depreciates approximately 10% as soon as you drive it off the dealers’ lot) is usually a terrible investment.

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​Successful individuals usually have a budget with amounts set aside for investments and debt service and they develop the habit of living within their budget.

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​Learn the habits that help you to eliminate your debt and put you on the path to financial success.