This reflection explores the true cost of debt, far beyond interest rates or balances.It shows how every dollar borrowed is an hour already spent,how debt shapes behavior long before it shows up on a statement,and how obligation becomes a quiet transfer of time, autonomy, and direction.

For the working class, debt is rarely strategy.It is survival.This essay reveals how awareness turns debtfrom a lifelong tetherinto a tool understood, questioned, and finally controlled.

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