The Situation

The Debt That
Builds vs Destroys

Healthy debt has a low interest rate, is tied to an appreciating or income-producing asset, and has a defined payoff timeline. Danger debt has a high interest rate, is tied to a depreciating asset or consumption, and compounds faster than most people realise.

"The question is not whether you have debt. It is whether the debt you carry is working for you or against you."

Worthune Editorial

• You carry credit card balances from month to month
• Your debt-to-income ratio has increased over the past twelve months
• You are unsure whether your overall debt load is improving or worsening