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Chapter 17, Getting Out of Debt

If you've been asking yourself "should I save or pay off debt?", there's a step that comes before either one, and once it's in place the whole payoff feels different.

Chapter 17 is where you hear that debt says nothing about whether you're good with money. Some people who are great with money carry debt, and some never use it at all. What matters is your approach, and whether you're running away from your debt or running toward something you care about. The payments can be identical and still feel completely different.

Then the order that keeps a paid-down balance from climbing back up: get…

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