Do not go into debt. If there's one thing I can do for any young person out there wondering if they should go into debt or take on a loan, it's to tell you do not go into debt.

I virtually do not see this advice offered anywhere. Everyone makes excuses for what they call "good" debt. They might say "Don't go into debt except..." or "Don't go into debt unless..." or other excuses for what is "good" debt.

You might be expecting a horror story of how I went deep into debt and it ruined my life and after years of saving and hard work, I managed to crawl out of that dark hole and experience freedom.

That's not my story. You can find plenty of stories like that, but that's not my story. I made a choice at a young age never to go into debt.