How many of us have heard that there are good types of debt? Debt is an insidious disease. It seems harmless at first but eventually grows to the point of suffocation. I encourage you to listen to Dave Ramsey’s weekly podcasts, found on and follow his advice on debt. If you don’t have debt, that’s great! If you do have debt, don’t acquire anymore. On the Dave Ramsey plan there’s only one type of debt that isn’t shunned, a home mortgage, and even then the 100% down plan is recommended. As Americans we’ve fallen prey to the allurement of credit cards. Live minimally, get rid of debt, it will suck you in.