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Smart debt is how rich people use debt to build wealth—without getting trapped by it. In this video, you’ll learn the exact difference between “debt that drains you” and debt that makes you stronger, using Harry’s real-life story and a simple set of guardrails. You’ll see the 5-step framework wealthy investors use to turn borrowing into momentum: • Long-term debt to control an asset that can help pay itself (think mortgage + house hacking) • Cheap short-term debt to eliminate expensive credit card debt on a strict deadline • Borrowing against assets (without panic-selling) and why this can be risky if misused • Using business credit for tools/inventory that create cash flow fast • Recycling equity to stack cash-flowing assets—only with safety rules If you’re stuck making payments and watching the balance barely move, this breaks the pattern with practical triggers, rules, and a “deadline box” plan you can copy. If this helped, drop a comment with your biggest debt “leak,” hit like, and subscribe for more personal finance and wealth-building systems. #SmartDebt #DebtPayoff #WealthBuilding #PersonalFinance #CashFlow