America has debt. Anyone who’s listening to this or reading this has in some way or form a little bit of debt, and that debt creates some emotional baggage. It's heavy and it can be a negative feeling if you have a negative relationship with your debt. When we get the bill and we look at it, we allow it to stress us out and we feel guilty and shamed. We feel an intense amount of remorse and we make it a right or wrong issue. What most people don’t realize is that debt is there for us and credit is a great thing. Get a clear understanding about money and debt so you can look at debt as a gift and as a way for us to live our life in this world.