Debt is a knife that is killing us slowly. Indenture to our bank kills the pleasures of life. Break the chains and gain financial freedom. Let's admit it. Most of us are spendaholics. 70% of us live paycheck to paycheck. Most of us will NEVER pay off our loans. We will die by a thousand cuts to our paychecks. How can we get free of the Master or the VISA? How do we protect ourselves against indenture to banks for the rest of our lives? Freedom from our chains of lifelong payments requires immediate action: cutting credit cards and amputation of some of our costly toys and habits. Going cold turkey is the only way to save your life in rehab. When you have financial freedom, you can buy new toys using the profits from your investments. Right now, you are making other people wealthy from your monthly payments. Stop it Consider this example: You pay $161 per month for 10+ years to pay off the average unsecured debt of $10,050 at 15%. You will spend at least $19,360 to pay off that $10,050. (If your rate is 25%, you will pay $25,080 for $10,050.) You pay almost double for that same $10,050 But that's not all-THE REAL COST IS MORE If you did not have to use that $161 each month to pay off the loan of $10,050 and $9,310 in interest, you would be able to use the $161 per month to make money. You could have made about $37,036 in the 10 years using a growth mutual fund. So the REAL cost of that $10,050 debt is actually $56,396 The lender gets the $19,360 (to pay the debt over time) and YOU gave up earning $37,036 from the $161 payment per month for 10 years. You give up the down payment on a house You can be building your wealth in 24 months. Start now.