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Think of life as if it is your last day on Earth. What then? Do you have kids? What will your kids inherit? Will they inherit your debt? They cannot. Your children cannot inherit your debt. What kind of legacy will you leave them? Will you leave them a nice chunk of money? Always think about tomorrow, and what the next day will bring, but anticipate the worst through proper measures of prevention. Since money is central to all the things we humans do, then why not focus on money as a way to gain strength in your life? If you simply have income, then you have the ability to overcome debt. Listen to Dave Ramsey, or read my Bie Bie Debt. Once you budget in Excel, you can see your debts decreasing overtime and how your future money will impact you positively and everyone else around you. You can learn how to budget in Excel from looking at some of my earlier posts.