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[Ep 177] Debt isn’t just a number. It’s a commitment from your future income. In this episode, we revisit a foundational concept: what debt actually is. Debt simply means you’re delaying payment today in exchange for a higher cost later. And once you understand that clearly, your decisions around borrowing become much easier and far more intentional. I share why debt isn’t automatically bad. It can help you build credit and purchase important assets. But every dollar borrowed reduces the flexibility of your future money which means the real goal isn’t avoiding debt completely, it’s choosing it on purpose. ✅ What debt really is and why the definition matters ✅ How borrowing affects your future income ✅ How much debt is actually comfortable for you ✅ The difference between secured and unsecured debt ✅ How to set personal rules for credit card use ✅ How to stay in control of borrowing instead of reacting to it 💰 Join the next Map Your Money To Retirement Workshop (https://www.elevatefinances.us/workshop) 📩 Join the 7-Day Savings Reset Challenge (https://www.elevatefinances.us/savings) 💜 Book your free Financial Clarity Call (https://tidycal.com/elevatefinancesll...) ✨ Learn about the Financial Foundations Strategy Intensive (https://www.elevatefinances.us/intensive)