With the help of figures like Dave Ramsey and social conditioning in general, eliminating all debt has become the goal post for the American middle class. It's what we tout to our friends, coworkers and family. But, this is "financial kindergarten" says Del, and while it's important that you conquer harmful debt (from credit card spending for example), you might consider what other forms of income-producing debt can do for you. In other words, it's time to graduate from "financial kindergarten."
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