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09 Mar

: If we woke up in debt Addendum III: Some common sense on credit scores Addendum IV: The College Conundrum – – Meanwhile and unrelated, recently…

In today’s low rate environment, here’s my rough guideline: Addendum II: *Want to know what “Eliminate all non-essential spending, and I mean all of it” might look like?

Here’s the real kicker: Unlike other kinds of debt, as truly awful as they are… I am a firm believer in personal responsibility and debts freely taken on should be faithfully repaid.

But the ethics of encouraging 17 and 18-year-olds—who likely have little financial savvy—to almost automatically accept this burden gives me serious pause.

The idea that many, indeed most, people seem to happily cover themselves with debt is so beyond my understanding it is hard to imagine how, let alone why, the downsides would need be explained. If your goal is financial independence, it is also to hold as little debt as possible.

But here are a few: Countless articles and books have been written about ridding yourself of debt. This means you’ll seek the least house to meet your needs rather than the most house you can technically afford.