The Heart of Our Debting Issues

In the past two decades, a plethora of books on personal finance have hit our best-seller lists. Almost all of them tell us to get out of debt, to live on a budget, and to invest. They deliberate the reasons why debt is a “bad investment”—that is, we pay much more for products and services because of interest and inflation—but these books almost never tell us how, specifically, to get out of debt and how to stop going into debt. They tell us that having a budget is a necessity, but they don’t tell us how to create and live by one—a realistic daily one. Some straight-talking authors give readers monthly bottom ...

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