Fear of Debt

Debt makes a lot of people nervous. Some people don't believe they will be able to rest until they have paid all their debt off. It's something that can play on your mind. How do you alleviate this, at the very least, reduce it, so you don't reduce your 'wealth creation' potential, and can sleep at night? My answer is buffers. Put buffers in place, but be careful on how restrictive you make them.