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Are You a Stock or a Bond?: Identify Your Own Human Capital for a Secure Financial Future, Updated and Revised by Moshe A. Milevsky

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4. Can Debt Be Good at All Ages?

“...I want to pay off all my loans in the next ten years, so that by the time I am retired I don’t owe money, and I certainly want to make sure I don’t die with any debt....”

—Myth #4

As an undergraduate college student living and enjoying the ’80s life in New York City, I amassed a fairly large amount of debt, accumulating a diversified portfolio of small loans owed to personal friends of mine and even my roommate. Although the liberal arts college I was attending had arranged for student loans and I had a part-time job boxing cartons in a bookstore, I didn’t have any money left over at the end of the month. Looking around for a “solution” to my growing problem, I decided to apply for a credit card from one of ...

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