How does one waste money paying off debt? Debt isn’t the problem? What have you been smoking? Sure, you can ignore your debt, become oblivious to it… you may even seem to have a better quality of life as you pile on the debt. But, sooner or later, it’s going to have to be paid back.

I’m not saying ALL debt is bad, but you won’t find many millionaires deep in credit card or other consumer debt. Why would you use debt if you had the money to pay for something? Why pay interest to a bank when you could be earning interest?

The sooner you realize that, the less time and money you can waste trying to eliminate it. The debt really isn’t the problem: the worry about debt is. As soon as you become ambivalent to your debt, the better quality of life you can live.

Besides, being debt-free is not going to make you rich. Many rich people are in debt and they even manage to get richer while being in debt. The fantasies about wealth were written decades ago. You NEED debt in order to get rich!