Debt Free Life Quotes

I only want you", she groaned. "Only you. Promise me that I can keep you. Promise me." My heart...shit, my heart. It unlocked. The padlock fell free. Her words were a key. Her forgiveness, and love and strength and everything that made her pure stole me from my life of pain. She changed me. Right there. Right then. I became hers. Irreversibly.

… what I’m saying is that if we and all the other species on earth are the only life forms in the universe and if there are no gods and let’s face it apart from a few tired scrolls written 300 years after the death of Jesus and his disciples there is no actual proof of a God or gods then we, the humans, who are meant to be at the height of the evolutionary tree, are in fact at the bottom because no other species on this planet is enslaved to the economy. Every other species is born free and lives free. We humans are born into economic slavery and life crippling debt.

I hated being lied to. I hated even more believing those lies until the truth decided to come for me. Turned out, I was never an individual; I was a possession to trade. I was never unique; someone had lived my life many times before, never free, never whole. My life was never mine. My destiny was already written. My story began the night he came for me.

Look again at those people around you. For most, debt is simply a part of life. But it doesn’t have to be for you. You weren’t born to be a slave.

To be "in Christ" is to place one's trust in Him for salvation from sin. To be "in Christ" is to trust His goodness, not our own; to trust that His sacrificial death on the cross paid the complete debt of death we owe for our sin; to trust that His resurrection gives us eternal life instead of relying upon our own ability to please God. To be "in Christ" is to claim, by faith, the free gift of salvation. To be "in Christ" is to enjoy a completely restored relationship with our Father in heaven by virtue of His Son's righteous standing.

You can have everything you want. All you need is a plan. And how do we spell plan? B-U-D-G-E-T!

Here’s the simple formula: Spend less than you earn—invest the surplus—avoid debt

Everything we will ever need for life and eternity has already been placed within our spirits.

Better to look broke and debt-free than to look good and in deep debt.

Don’t Burn This Book may not usher in world peace, balance the national debt, or improve your sex life, but while those are worthy pursuits, that wasn’t my goal. Instead, I want to champion the values that keep people safe, sane, and free.

A goal without a deadline is just a dream.

You cannot tailor-make your situations in life, but you can tailor-make your attitude to fit those situations. ~ Zig Ziglar,

Try saving and investing 50% of your income. With no debt, this is perfectly doable.

Change brings challenge, learning, and a sense of New. Change is full of promise.

Debt needs a constant drip of blood, and that blood comes from your gas tank of life: time. And since time is fixed, an increase in indentured time comes from only one source: your free time.

If your goal is financial independence, it is also to hold as little debt as possible. This means you’ll seek the least house to meet your needs rather than the most house you can technically afford.

Three things saved us: Our unwavering 50% savings rate. Avoiding debt. We’ve never even had a car payment. Finally embracing the indexing lessons Jack Bogle—the founder of The Vanguard Group and the inventor of index funds—perfected 40 years ago.

Here are a few key guidelines to consider: Spend less than you earn—invest the surplus—avoid debt. Do simply this and you’ll wind up rich. Not just in money. Carrying debt is as appealing as being covered with leeches and has much the same effect. Take out your sharpest knife and start scraping the little bloodsuckers off. If your lifestyle matches—or god forbid exceeds—your income, you are no more than a gilded slave. Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money. Avoid investment advisors. Too many have only their own interests at heart. By the time you know enough to pick a good one, you know enough to handle your finances yourself. It’s your money and no one will care for it better than you. You own the things you own and they in turn own you. Money can buy many things, but nothing more valuable than your freedom. Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make.

A debt-free bachelor's degree is, as it turns out, priceless: As Jane Austen puts it, it sets you up forever. My friends were still paying off their school loans in their forties. I never had any school debt at all. Because I had no debt, I could choose my life, and choose my adventure.

Some people owe everything they have to the bank accounts of their parents. I owe the state. Put simply, the state educated me, fixed my leg when it was broken, and gave me a grant that enabled me to go to university. It fixed my teeth (a bit) and found housing for my veteran father in his dotage. When my youngest brother was run over by a truck it saved his life and in particular his crushed right hand, a procedure that took half a year, and which would, on the open market—so a doctor told me at the time—have cost a million pounds. Those were the big things, but there were also plenty of little ones: my subsidized sports centre and my doctor’s office, my school music lessons paid for with pennies, my university fees. My NHS glasses aged 9. My NHS baby aged 33. And my local library. To steal another writer’s title: England made me. It has never been hard for me to pay my taxes because I understand it to be the repaying of a large, in fact, an almost incalculable, debt. ....The charming tale of benign state intervention described above is now relegated to the land of fairy tales: not just naïve but actually fantastic. Having one’s own history so suddenly and abruptly made unreal is an experience of a whole generation of British people, who must now wander around like so many ancient mariners boring foreigners about how they went to university for free and could once find a National Health dentist on their high street.

If you intend to achieve financial freedom, you are going to have to think differently. It starts by recognizing that debt should not be considered normal. It should be recognized as the vicious, pernicious destroyer of wealth-building potential it truly is. It has no place in your financial life.

Somehow, the telling of all this rinsed my mind clean and left me able to think clearly once more. By gathering and sorting my own feelings so, I was finally able to fashion a scale on which I could weigh my father’s nature and find a balance between my disgust for him and an understanding of him; my guilt in the matter of his death against the debt he owed me for the manner of my life. At the finish of it, I felt free of him, and I was able to think calmly once more. Elinor

Death is really no more than the voluntary liquidation of an economy of microscopic free agents, the redemption of the debt of structured life.

We as humans only learn through failure and if you fail along the way, take note of it then move on. This only gets easier as time goes on.

Waste no time. Debt is a crisis that needs immediate attention. If you are currently in debt, paying it off is your top priority. Nothing else is more important.

And no hope is greater than that of the Wookiees of Kashyyyk. Heroes of the Rebellion Han Solo and Chewbacca have gathered a team of smugglers and scoundrels to free Kashyyyk from its Imperial slavers once and for all.

If your interest rate is... Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP.

Possessions Live in peace and be free. When possessions own your heart, You are enslaved to money and to corporations. Your time is owned by the moneylenders And they will not let you spend it freely. They will tell you what to buy, but not What it will truly cost you. You will be held ransom. What is your heart worth? What about your time? What holds your heart, holds your attention. What holds your attention, holds your time. What holds your time, holds your life. And if it's possessions that holds these things, It will demand it all.

Principles of Liberty 1. The only reliable basis for sound government and just human relations is Natural Law. 2. A free people cannot survive under a republican constitution unless they remain virtuous and morally strong. 3. The most promising method of securing a virtuous and morally strong people is to elect virtuous leaders. 4. Without religion the government of a free people cannot be maintained. 5. All things were created by God, therefore upon him all mankind are equally dependent, and to Him they are equally responsible. 6. All men are created equal. 7. The proper role of government is to protect equal rights, not provide equal things. 8. Men are endowed by their Creator with certain unalienable rights. 9. To protect man's rights, God has revealed certain principles of divine law. 10. The God-given right to govern is vested in the sovereign authority of the whole people. 11. The majority of the people may alter or abolish a government which has become tyrannical. 12. The United States of America shall be a republic. 13. A constitution should be structured to permanently protect the people from the human frailties of their rulers. 14. Life and Liberty are secure only so long as the Igor of property is secure. 15. The highest level of securitiy occurs when there is a free market economy and a minimum of government regulations. 16. The government should be separated into three branches: legislative, executive, and judicial. 17. A system of checks and balances should be adopted to prevent the abuse of power. 18. The unalienable rights of the people are most likely to be preserved if the principles of government are set forth in a written constitution. 19. Only limited and carefully defined powers should be delegated to the government, all others being retained by the people. 20. Efficiency and dispatch require government to operate according to the will of the majority, but constitutional provisions must be made to protect the rights of the minority. 21. Strong human government is the keystone to preserving human freedom. 22. A free people should be governed by law and not by the whims of men. 23. A free society cannot survive a republic without a broad program of general education. 24. A free people will not survive unless they stay strong. 25. "Peace, commerce, and honest friendship with all nations; entangling alliances with none." 26. The core unit which determines the strength of any society is the family; therefore, the government should foster and protect its integrity. 27. The burden of debt is as destructive to freedom as subjugation by conquest. 28. The United States has a manifest destiny to be an example and a blessing to the entire human race.

She isn’t just any woman. She’s different.” “So every man has said since time immemorial.” “Yes, that’s true. I’ve met plenty of women, Mr. Sutton. From a young age, I have had mistresses whose beauty and skills would astound you. Skills they taught to a young man, because I was ever so rich. I also got to know them—courtesans are living, breathing women, you might be surprised to learn. With dreams and ambitions, some longing for a better life, one in which they won’t have to rely on wealthy men’s sons for survival. I became quite good friends with some of the ladies and am still. And then I met Violet.” Mr. Sutton was listening but striving to look uninterested. “Another courtesan?” “She’s neither one thing nor the other. Which is why I say she’s different. She’s not from the upper-class families whose mothers throw their daughters at me with alarming ruthlessness. She’s not a courtesan, selling her body and skills in exchange for diamonds and riches. She’s not a street girl from the gutter, selling her body to survive. She’s not a middle-class daughter, striving to live spotlessly and not shame her parents. Violet faces the world on her own terms, making a living the best she can with the skills she has. And everywhere, everyone has tried to stop her. They’ve used her body to pay their debts. They’ve used her cleverness to bring them clients. They’ve used her skills at understanding people to make them money. Everyone in her entire life has used her in every capacity she has, and yet, she still stands tall and faces the world. They’ve beaten her down at every turn, and still she rises. This is a woman of indomitable spirit. And I want to set her free.

What does one real disadvantage, loss, accident, illness, debt, or folly more or less in his life matter, compared with the bondage of the golden cradle, the peacock-tail fan, and the oppressive feeling of having to be actually grateful because he is waited upon and spoiled like an infant?

The goodness of God fills all the gaps of the universe, without discrimination or preference. God is the gratuity of absolutely everything. The space in between everything is not space at all but Spirit. God is the “goodness glue” that holds the dark and light of things together, the free energy that carries all death across the Great Divide and transmutes it into Life. When we say that Christ “paid the debt once and for all,” it simply means that God's job is to make up for all deficiencies in the universe. What else would God do? Basically, grace is God's first name, and probably last too. Grace is what God does to keep all things he has made in love and alive—forever. Grace is God's official job description. Grace is not something God gives; grace is who God is. If we are to believe the primary witnesses, an unexplainable goodness is at work in the universe.

No, Tory. You saved my life. You gave me…everything. I was too afraid to do what you pushed me to do alone but now I’m out of that house, away from those sessions he was making me have with Gravebone, I’m free to be the Pegasus I was born to be. And one day I’ll find a way to repay that debt to you.

Life is simpler when we feel controlled. When we tell ourselves that we are controlled, we can shift the responsibility of freeing ourselves onto that which controls us. When we do that, we don’t have to bear the responsibility of our unhappiness or shoulder the burden of self-ownership. We don’t have to do anything. And nothing will ever change.

I—I only want you,” she groaned. “Only you. Promise me that I can keep you. Promise me.” My heart…shit, my heart. It unlocked. The padlock fell free. Her words were a key. Her forgiveness and love and strength and everything that made her pure stole me from my life of pain. She changed me. Right there. Right then. I became hers. Irreversibly. “I promise,

But if there be a country which cannot stand any one of these tests, — a country where knowledge cannot be diffused without perils of mob-law and statute-law; where speech is not free; where the post-office is violated, mail-bags opened, and letters tampered with; where public debts and private debts outside of the State are repudiated; where liberty is attacked in the primary institution of social life; where the position of the white woman is injuriously affected by the outlawry of the black woman; where the arts, such as they have, are all imported, having no indigenous life; where the laborer is not secured in the earnings of his own hands; where suffrage is not free or equal; — that country is, in all these respects, not civil, but barbarous; and no advantages of soil, climate, or coast can resist these suicidal mischiefs.

A return to classical bank policy would deem loans fraudulent and annul debts when creditors do not lend with any reasonable calculation of how the debt can be paid in the normal course of economic life. Loans made without such a calculation should be considered predatory. The natural check on such behavior is to permit mortgage debtors to walk away from their homes, free of the debts attached to them, letting title revert to the banks that over-lent.

Sound investing is not complicated. Save a portion of every dollar you earn or that otherwise comes your way. The greater the percent of your income you save and invest, the sooner you’ll have F-You Money. Try saving and investing 50% of your income. With no debt, this is perfectly doable. The beauty of a high savings rate is twofold: You learn to live on less even as you have more to invest. The stock market is a powerful wealth-building tool and you should be investing in it. But realize the market and the value of your shares will sometimes drop dramatically. This is absolutely normal and to be expected. When it happens, ignore the drops and buy more shares. This will be much, much harder than you think. People all around you will panic. The news media will be screaming Sell, Sell, Sell! Nobody can predict when these drops will happen, even though the media is filled with those who claim they can. They are delusional, trying to sell you something or both. Ignore them. When you can live on 4% of your investments per year, you are financially independent.

The god of the prosperity gospelists is a pathetic doormat, a genie. The god of the cutesy coffee mugs and Joel Osteen tweets is a milquetoast doofus like the guys in the Austen novels you hope the girls don’t end up with, holding their hats limply in hand and minding their manners to follow your lead like a butler—or the doormat he stands on. The god of the American Dream is Santa Claus. The god of the open theists is not sovereignly omniscient, declaring the end from the beginning, but just a really good guesser playing the odds. The god of our therapeutic culture is ourselves, we, the “forgivers” of ourselves, navel-haloed morons with “baggage” but not sin. None of these pathetic gods could provoke fear and trembling. But the God of the Scriptures is a consuming fire (Deut. 4:24). “It is a fearful thing to fall into the hands of the living God” (Heb. 10:31). He stirs up the oceans with the tip of his finger, and they sizzle rolling clouds of steam into the sky. He shoots lightning from his fists. This is the God who leads his children by a pillar of cloud and a pillar of fire. This is the God who makes war, sends plagues, and sits enthroned in majesty and glory in his heavens, doing what he pleases. This is the God who, in the flesh, turned tables over in the temple as if he owned the place. This Lord God Jesus Christ was pushed to the edge of the cliff and declared, “This is not happening today,” and walked right back through the crowd like a boss. This Lord says, “No one takes my life; I give it willingly,” as if to say, “You couldn’t kill me unless I let you.” This Lord calms the storms, casts out demons, binds and looses, and has the authority to grant us the ability to do the same. The Devil is this God’s lapdog. And it is this God who has summoned us, apprehended us, saved us. It is this God who has come humbly, meekly, lowly, pouring out his blood in infinite conquest to set the captives free, cancel the record of debt against us, conquer sin and Satan, and swallow up death forever. Let us, then, advance the gospel of the kingdom out into the perimeter of our hearts and lives with affectionate meekness and humble submission. Let us repent of our nonchalance. Let us embrace the wonder of Christ.

This is what makes the unexamined life so dangerous. We think we are living life to the fullest but we aren’t. Instead, we are often trading long-term purpose for short-term pleasure. When we eat unhealthily, we miss an opportunity to fuel our bodies properly. When we watch too much TV or spend too much time online, we miss opportunities to interact with people in the real world. When we neglect to exercise, we miss the opportunity to enjoy the kinds of adventures available to those with physical stamina. When we stay up late and sleep through the morning, we may be missing out on the most productive period of our day. When we buy more than we need, we miss the opportunity to live free and unburdened. When we spend more than we earn, we shackle ourselves with bondage to debt. When we spend too much money on ourselves, we miss the opportunity to find greater joy by being generous to others. The way to avoid these kinds of mistakes is to live intentionally. That is, we examine our options and make choices with larger purposes and longer-term goals in mind. If an activity, a decision, or a habit is not bringing us closer to our purpose and passion, then we should remove it. Because most of the time it is only distracting us from what really matters.

OK, but what do I do about the debt I have? While the mantra here is “avoid debt at all costs,” if you already have it, it is worth considering if paying it off ahead of schedule is the best use of your capital. In today’s environment, here’s my rough guideline: If your interest rate is... Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP. But this is just looking at the numbers. There is a lot to be said for focusing on just getting it out of your life and moving on. Especially if keeping your debt under control has been a problem for you.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

During his time working for the head of strategy at the bank in the early 1990s, Musk had been asked to take a look at the company’s third-world debt portfolio. This pool of money went by the depressing name of “less-developed country debt,” and Bank of Nova Scotia had billions of dollars of it. Countries throughout South America and elsewhere had defaulted in the years prior, forcing the bank to write down some of its debt value. Musk’s boss wanted him to dig into the bank’s holdings as a learning experiment and try to determine how much the debt was actually worth. While pursuing this project, Musk stumbled upon what seemed like an obvious business opportunity. The United States had tried to help reduce the debt burden of a number of developing countries through so-called Brady bonds, in which the U.S. government basically backstopped the debt of countries like Brazil and Argentina. Musk noticed an arbitrage play. “I calculated the backstop value, and it was something like fifty cents on the dollar, while the actual debt was trading at twenty-five cents,” Musk said. “This was like the biggest opportunity ever, and nobody seemed to realize it.” Musk tried to remain cool and calm as he rang Goldman Sachs, one of the main traders in this market, and probed around about what he had seen. He inquired as to how much Brazilian debt might be available at the 25-cents price. “The guy said, ‘How much do you want?’ and I came up with some ridiculous number like ten billion dollars,” Musk said. When the trader confirmed that was doable, Musk hung up the phone. “I was thinking that they had to be fucking crazy because you could double your money. Everything was backed by Uncle Sam. It was a no-brainer.” Musk had spent the summer earning about fourteen dollars an hour and getting chewed out for using the executive coffee machine, among other status infractions, and figured his moment to shine and make a big bonus had arrived. He sprinted up to his boss’s office and pitched the opportunity of a lifetime. “You can make billions of dollars for free,” he said. His boss told Musk to write up a report, which soon got passed up to the bank’s CEO, who promptly rejected the proposal, saying the bank had been burned on Brazilian and Argentinian debt before and didn’t want to mess with it again. “I tried to tell them that’s not the point,” Musk said. “The point is that it’s fucking backed by Uncle Sam. It doesn’t matter what the South Americans do. You cannot lose unless you think the U.S. Treasury is going to default. But they still didn’t do it, and I was stunned. Later in life, as I competed against the banks, I would think back to this moment, and it gave me confidence. All the bankers did was copy what everyone else did. If everyone else ran off a bloody cliff, they’d run right off a cliff with them. If there was a giant pile of gold sitting in the middle of the room and nobody was picking it up, they wouldn’t pick it up, either.” In

When it comes to money and so many other things in life, understanding your weaknesses and strengths can help you with your future plans.

God was inviting me to go on Hajj, but before that I needed to settle my debts. Muslims may only embark on their pilgrimage if they are debt-free or at least have made an arrangement for repayment.

More is more and less is less. In other words, the more you bring into your life, the more you have to maintain. If you are accumulating things, the initial purchase is just the beginning. In addition to any debt you took on to make the purchase, this new item you now own may need to be stored, dusted, watered, cleaned, oiled, tightened, filled, emptied, refilled, tuned, insured, renewed—or any number of other time-consuming (and possibly expensive) maintenance chores. If you avoid the purchase altogether, you cut out the chain reaction of obligations to this thing.

What, then, art Thou, O my God—what, I ask, but the Lord God? For who is Lord but the Lord? or who is God save our God? Most high, most excellent, most potent, most omnipotent; most piteous and most just; most hidden and most near; most beauteous and most strong, stable, yet contained of none; unchangeable, yet changing all things; never new, never old; making all things new, yet bringing old age upon the proud and they know it not; always working, yet ever at rest; gathering, yet needing nothing; sustaining, pervading, and protecting; creating, nourishing, and developing; seeking, and yet possessing all things. Thou lovest, and burnest not; art jealous, yet free from care; repentest, and hast no sorrow; art angry, yet serene; changest Thy ways, leaving unchanged Thy plans; recoverest what Thou findest, having yet never lost; art never in want, whilst Thou rejoicest in gain; never covetous, though requiring usury. That Thou mayest owe, more than enough is given to Thee; yet who hath anything that is not Thine? Thou payest debts while owing nothing; and when Thou forgivest debts, losest nothing. Yet, O my God, my life, my holy joy, what is this that I have said? And what saith any man when He speaks of Thee? Yet woe to them that keep silence, seeing that even they who say most are as the dumb.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

The most empowering thing you can do though is to create innovative ways to bring in livable wages. That begins with a debt free lifestyle.

So many people think buckets of money will solve or eliminate the stresses in life. Such is not the case. More is more and less is less. In other words, the more you bring into your life, the more you have to maintain. If you are accumulating things, the initial purchase is just the beginning. In addition to any debt you took on to make the purchase, this new item you now own may need to be stored, dusted, watered, cleaned, oiled, tightened, filled, emptied, refilled, tuned, insured, renewed—or any number of other time-consuming (and possibly expensive) maintenance chores. If you avoid the purchase altogether, you cut out the chain reaction of obligations to this thing. So

The Prophecy: "The Chosen one possesses a gift That Lucempest needs in order to make a shift. To provide pure sacred life As a concession for his land's strife. If the human soloth seizes wrath This will be the altercation restraining Lucempest from launching on his wicked path. If the Chosen One learns the way, He will prevent his land from having a great debt to pay. When Ira (wrath) vanishes from Lucempest's land Healing will ensue as a component of the great plan. If Lucempest prevails in acquiring his blood as a gift It will be the beginning of a vast rift. He will offer the Chosen One's blood to the tree Which will allow him control, and no land to be free. If The Chosen One prevails The tree will offer wisdom, and Lucempest will fail. There are sextet other saligias to remove. Avarita (greed), Acedia (sloth), Superbia (pride), Luxuria (lust), Invidia (envy), and Gula (gluttony) in order to improve. These septet saligias must be replaced with septet gifts Sapientia (wisdom), Intellectus (understanding), Consilio (council), Fortitudo (fortitude), Scientia (knowledge), Pietas (piety), and Timor Domini (wonder and awe), in order to create vital shifts.

Living a minimalistic lifestyle is becoming more and more popular as people realize materialistic items hold no true value. Making memories that last a lifetime and forging relationships with the people you live with is a treasure that you can’t put a price on.

Obama’s only connection with phones was to label them Obamaphones and hand them out for free through his community organizer network. Now millions of Americans and illegal immigrants have cell phones paid for by the U.S. government and funded through one of those obscure charges that appear on your phone bill, the “lifeline” tax. Obama undoubtedly hopes you never notice the charge, or ask about it. It’s so much better to rip people off when they don’t even know they are being ripped off. Obama has no experience in starting a business or running a business; the only business he has ever run—the U.S. government—is $18 trillion in debt, a full one-half of that accumulated during Obama’s two terms. Any CEO with that record would certainly be fired; any private enterprise losing money at that pace would long have gone out of business. Obama didn’t discover his lack of entrepreneurial talent at the White House; he’s known it for most of his life. That’s why he decided, at a young age, to go a completely different route. Envious of the entrepreneur, he would become the anti-entrepreneur. He would put his talents to use in taking from the entrepreneurs and getting away with it. So Obama’s lack of entrepreneurial talent doesn’t mean that he is untalented. He is talented, but his talent lies in other areas. Driven by envy and resentment toward entrepreneurs, Obama specializes in fostering and mobilizing the resentment of others. He’s not a community organizer; he’s a resentment organizer.

The Four Horsemen and the Zombies of Tasmania The voters complacent the politician now leads He’s just a cog in the business of greed He does not protect; he exploits and devours He serves not the people, but money and power The religious turn the message of love to hate Their arrogance that only they can see Heaven’s gate They oppress women and those they deem strange But the abuse of the children shows just how deranged The general orders a soldier’s fate To kill his brother and sister, he must not hesitate For the politician and the religious, he must always serve From blind obedience, he must not swerve The Power of Money is king over all it surveys You are a slave of debt till the end of your days It’s a way of control; you would wake up if you knew That the sweat of your labour benefits only the few Be free, young ones; show us a bright new way Let not the four horsemen bring your life to decay But be careful, young ones, for they are easy to find They are waiting there, lurking in the back of your mind Lily Dayton, Hobart Mayor, year 2090

Verse 20 is a restatement of verse 14: we need to live our lives “in line” with the truth of the gospel. Now that Christ’s life is my life, Christ’s past is my past. I am “in Christ” (v 17), which means that I am as free from condemnation before God as if I had already died and been judged, as if I had paid the debt myself. And I am as loved by God as if I had lived the life Christ lived. So “it is not me that lives, but Christ” is a triumphant reminder that, though “we ourselves are sinners”, in Christ we are righteous. Then Paul follows up with verse 21, to say: Now when I live my life and make my choices and do my work, I do so remembering who I am by faith in Christ, who loved me so much! The inner dynamic for living the Christian life is right here! Only when I see myself as completely loved and holy in Christ will I have the power to repent with joy, conquer my fears, and obey the One who did all this for me. Everything or Nothing? It’s worth remembering that Paul is still speaking to Peter here! And so he finishes by reminding Peter that the Christian life is about living in line with the gospel throughout the whole of life, for the whole of our lives. We must go on as Christians as we started as Christians. After all, if at any point and in any way “righteousness could be gained through the law, Christ died for nothing!” (v 21). Christ will do everything for you, or nothing. You cannot combine merit and grace. If justification is by the law in any way, Christ’s death is meaningless in history and meaningless to you personally. Imagine that your house were burning down but your whole family had escaped, and I said to you: Let me show you how much I love you! and ran into the house and died. What a tragic and pointless waste of a life, you would probably think. But now imagine that your house was on fire and one of your children was still in there, and I said to you: Let me show you how much I love you!, ran into the flames, and saved your child but perished myself. You would think: Look at how much that man loved us. If we could save ourselves, Christ’s death is pointless, and means nothing. If we realize we cannot save ourselves, Christ’s death will mean everything to us. And we will spend the life that He has given us in joyful service of Him, bringing our whole lives into line with the gospel.

As the Universe is my witness, I_____________ now accept my destiny. I accept that I am an aspect of the Divine, I accept that as such I AM THAT I AM. I freely declare that I am now ready to step into my own power and the fullness of my being, in service to humanity and the Divine plan. It is my choice as a free spirit to explore my own potential, and I offer myself in service to Light and unconditional love, now and always. I now ask that I be released from all outstanding Karmic debts or that they be settled now, I now release any debts owed to me. I freely forgive all those who have harmed me and likewise beg the forgiveness of any I may have harmed. I ask for the Divine highest good of all, with love in my heart and of my own free will. So be it.

If these things are not bad enough, when it comes to our financial life, we’re even worse off. Most of us spend too much, have debt, and have jobs we hate just to pay for a lifestyle we don’t even like. What brought us to this point? We like nothing about our lives. It seems like we’re trapped inside someone else’s life. Every day is filled with unwanted obligations and tasks that make us miserable.

Earlier, in a long, affectionate letter to his daughter, John offered memorable advice on choosing a husband that, in sum, expressed what he valued most in a man and what he so struggled to be himself so much of his life: 'Daughter! Get you an honest man for a husband, and keep him honest. No matter whether he is rich, provided he be independent. Regard the honor and moral character of the man more than all other circumstances. Think of no other greatness but that of the soul, no other riches but those of the heart. An honest, sensible, humane man, above all the littleness of vanity and extravagances of imagination, laboring to do good rather than be rich, to be useful rather than make a show, living in modest simplicity clearly within his means and free from debts and obligations, is really the most respectable man in society, makes himself and all about him most happy.

No material gift can be compared to coming into the New Year with great joy in one's heart.

Being independently wealthy is every bit as much about limiting needs as it is about how much money you have. It has less to do with how much you earn—high-income earners often go broke while low-income earners get there—than what you value. Money can buy many things, none of which is more important than your financial independence. Here’s the simple formula: Spend less than you earn—invest the surplus—avoid debt

Nothing was free and killing to give me life was the biggest debt of all.

Continue to Live in Christ 6As you received Christ Jesus the Lord, so continue to live in him. 7Keep your roots deep in him and have your lives built on him. Be strong in the faith, just as you were taught, and always be thankful. 8Be sure that no one leads you away with false and empty teaching that is only human, which comes from the ruling spirits of this world, and not from Christ. 9All of God lives fully in Christ (even when Christ was on earth), 10and you have a full and true life in Christ, who is ruler over all rulers and powers. 11Also in Christ you had a different kind of circumcision, a circumcision not done by hands. It was through Christ’s circumcision, that is, his death, that you were made free from the power of your sinful self. 12When you were baptized, you were buried with Christ, and you were raised up with him through your faith in God’s power that was shown when he raised Christ from the dead. 13When you were spiritually dead because of your sins and because you were not free from the power of your sinful self, God made you alive with Christ, and he forgave all our sins. 14He canceled the debt, which listed all the rules we failed to follow. He took away that record with its rules and nailed it to the cross. 15God stripped the spiritual rulers and powers of their authority. With the cross, he won the victory and showed the world that they were powerless.

Life is simpler when we feel controlled. When we tell ourselves that we are controlled, we can shift the responsibility of freeing ourselves onto that which controls us.

I say: if the debt you feel has not been paid, then pray for the grace to forgive those you believe are indebted to you. You will come to know a peace you have never known, and you will embrace a feeling of freedom simply because you are free. Those whose lives had been marred by the ravages of Jim Crow segregationist laws live far richer spiritual lives by practicing radical forgiveness towards those who oppressed them than they would by seeking retributive justice. This is because an obsession with justice and entitlement shackles the soul in some sense to the compensations of the one who has harmed one. A spirit of aggrievement, paradoxically, places one in a dependent role on the other; in this instance, one is not free. Radical forgiveness frees the soul from resentment and fosters an ethic of care towards those who have harmed one. Radical forgiveness not only forges new relationships, but it also heralds a model for a new type of humanity, a new planetary ethic, and humanism devoid of bitterness that will change the world. To the black individual rising and striving to make something superlative of his or her own life, who refuses to be shackled by the racial script that would ossify the soul and calcify the heart, you are a historical process emerging in this world. You know as I do that for this to happen, the race to which we were assigned must die so that the individual can rise. The individual must rise!

And in the Judeo-Christian tradition, the primary act of sacrifice is forgiveness. The one who forgives sacrifices resentment, and thereby renounces something that had been dear to his heart.”5 All true, and all urgently needed today in a nation of pent-up frustrations and grievances. Mercy is a central lesson of the Gospel. So is forgiveness. But then what happens to justice? The difficult fact about pursuing justice is this: it’s vital to a humane and well-ordered society; it’s the cornerstone of all credible law; and yet it can rarely be fully achieved. The tangle of humans’ interlocking wounds, fears, poisoned memories, and debts is too old and too vast for anyone to unravel. But enough justice—even if imperfect—can be had when it’s leavened with a measure of mercy, the free act of forgiving, and the letting go of some debts that we know others owe to us. Letting go allows others to do the same. It heals and gives peace. It breaks up and washes away the toxic ice of resentment that chokes the heart. And in doing so, it takes on a Godly irony that gives life.

My Lady Liberty (The Sonnet) O my beloved lady liberty, Here, I place my head at your feet. The way you've been upholding freedom, May I live as vigorous without greed. You have given refuge to the persecuted, You have shown light to the distressed. May I be as upright as you my dear, May my life shelter the meek and repressed. Let me absorb you through my every pore, So I may draw from your eternal strength. The way you stand as testament of justice, May I stand as steady giving up my last breath. I can never repay my debt to you lady liberty. Take my life and use it as ointment for society.

In the Declaration of Independence, freedom comes right after equality. For Reagan and the narrative of Free America, it meant freedom from government and bureaucrats. It meant the freedom to run a business without regulation, to pay workers whatever wage the market would bear, to break a union, to pass all your wealth on to your children, to buy out an ailing company with debt and strip it for assets, to own seven houses—or to go homeless. But a freedom that gets rid of all obstructions is impoverished, and it degrades people. Real freedom is closer to the opposite of breaking loose. It means growing up, and acquiring the ability to participate fully in political and economic life. The obstructions that block this ability are the ones that need to be removed. Some are external: institutions and social conditions. Others are embedded in your character and get in the way of governing yourself, thinking for yourself, and even knowing what is true. These obstructions crush the individuality that freedom lovers cherish, making them conformist, submissive, a group of people all shouting the same thing—easy marks for a demagogue.

It contains another point of the greatest importance in [the history of] Roman institutions, for by this law the plebeians were released from the feudal liability of becoming liege vassals of the nobles on account of debts, for which the nobles used to compel the plebeians to work for them, often for life, in their private prisons [612]. But the senate retained the sovereign dominion it had over the lands of the Roman imperium, though the imperium itself had already passed to the people. And under the provisions of the senatus consultum which was called ultimum, of last resort, the senate kept this power for itself by force of arms as long as the Roman commonwealth remained free.

First you have to lose your debts; as long as you’re in debt, you’re not free,” he explained. “Then you have to get some breathing space so you can go in a new direction, but above all you need to know what you want from life.

...Those who led us to indebtedness gambled as if in a casino. As long as they had gains, there was no debate. But now that they suffer losses, they demand repayment. And we talk about crisis. No, Mister President, they played, they lost, that’s the rule of the game, and life goes on. We cannot repay because we don’t have any means to do so. We cannot pay because we are not responsible for this debt. We cannot repay but the others owe us what the greatest wealth could never repay, that is blood debt. Our blood had flowed. We hear about the Marshall Plan that rebuilt Europe’s economy. But we never hear about the African plan which allowed Europe to face Hitlerian hordes when their economies and their stability were at stake. Who saved Europe? Africa. It is rarely mentioned, to such a point that we cannot be the accomplices of that thankless silence. If others cannot sing our praises, at least we must say that our fathers had been courageous and that our troops had saved Europe and set the world free from Nazism.

Money spells guaranteed to work – Cast by worlds most powerful spell caster If you truly desire to keep a constant stream of money in your life. I will cast for you money spells that will attract new business connections or a huge salary job. Fortunate is the man or woman who desires money, contacts a powerful spell caster like Prof Mama Afuwa early to acquire a greater opportunity pf her powerful money spells – said one of my clients. What Are Money spells guaranteed to work? Money Spells attract money to any one who orders for them. These spells are focused on bringing Money, Luck, Wealth from known or unknown sources to make you Debt Free and Rich.

Good debts can lift your life to the next level. Bad debts can ruin your life for up to the next 3 generations.

For the moment, I want you to consider instead what a truly breakthrough year might look like for you. Imagine it’s twelve months from now, and you’ve accomplished your top goals in all of life’s domains. Think about your health. How does it feel to be in the best shape of your life? How does it feel to have the stamina to play for hours with your kids, pursue your favorite hobbies, and have energy to spare? Are you married? What’s it like to have deepened and enriched your most significant relationship, one where you can’t wait to spend time together? Imagine your life full of intimacy, joy, and friendship with someone who shares your most important priorities, your most significant goals, and gives the encouragement and support you’ve dreamt about for so long. Consider your finances. How does it feel to be debt-free, to have money left over at the end of the month? Imagine having the resources you need to meet your expenses, protect yourself against the unexpected, and invest for the future. Think how reassuring it is to have deep savings and how satisfying it is to provide your family with the life they desire and deserve. Reflect for a moment on your spiritual life. Imagine you have an abiding sense of something transcendent in your life, of a connection to a larger purpose and a bigger story. Imagine waking up grateful and going to bed satisfied. How does it feel to face life’s ups and downs with peace in the deepest part of your soul?

Gospel time is our spiritual harvest, and it is notorious folly to sleep or loiter in harvest. The time of the gospel is a time indeed--namely, a time of light, a time of love, a time of life, a time of liberty (Matt. 4:16; 2 Tim. 1:10; Ezek. 16:8; Rom. 5:8; Isa. 61:6; John 8:36). Now, the trumpet of jubilee sounds, and all debts and mortgages may be taken up and released. Here is liberty for the poor captives and the opening of the prison to them that are bound. 'Tis now an "accepted time," a "day of salvation" (2 Cor. 6:2), a time to accept or a time to be accepted, a golden and glorious time indeed. Behold, now there is a broad and clear way to His mercy seat. The flaming sword is gone; the partition wall is down; all bars and gates are removed; an act of indemnity is proclaimed; and there is a free admission for all to come and be saved. Pardons are ready (Isa. 55:6-7).

In the distance, smoke plumes from brick kilns where men, women and children will spend their entire lives on their knees under the sun cooling, patting, stacking, packing red bricks that are sent across the country. They will never leave that burning land, always thousands of rupees short of freeing themselves from their debts to the kiln’s owner

I swear on the power of the moon and the Wolf that lives inside my limbs that I'll set Roary Night free," she snarled, lifting the knife and scoring a deep slash down the centre of her palm. "Rosa," Dante hissed in shock, but she ignored him, her gaze fixed on the silver crescent hanging low in the sky as she continued with her vow. "Whatever it takes, whatever I have to sacrifice to make it so, I will right this wrong and repay the debt I owe him. Blood for blood. A life for a life. Let the moon curse me if I ever sway from this path and end my life if I fail." She raised her clenched fist towards the heavens, blood trickling between her fingers as she glared at the moon and a silvery glow seemed to pour from her skin, bathing her in moonlight which sent a shiver running down my spine.

Life cost so much money. The craziest thing was that though her debts terrorized her, the desire for more—to eat at the restaurant recommended by the Times, to order the second glass of wine at dinner, to give costly wedding or shower presents, to see the Ring Cycle at the Met, to order an orchid for Ella when she got pregnant—only grew stronger.

When you embrace the mindset of an asset builder, you embark on a transformative journey towards building a life where money and time are no longer synonymous.

Nothing worth having comes easy.

We all can be our own worst critics. From the limiting beliefs that have held us back to the lies that we tell ourselves, many people are their own worst enemy. Only you can determine your relationship with money; only you can change your perspective on your financial situation; only you can decide to make a change that will redirect your life trajectory. You can continue down the road that you have been traveling, stressed about your financial health, weighed down under a mountain of debt, and living paycheck to paycheck. On the other hand, you have the power to choose to live this way or not.

My decision to live debt-free is no longer because “Mom and Dad told me to” but because it is a choice I have made for my life.

She couldn't let herself be seduced by the idea of credit. Nothing in this life was free, for migrants most of all.

As I said earlier, life happens, and you will inevitably run into a situation that you simply could not plan for at some point in your life. Although you may not be able to plan for the event itself, the best that you can do is ensure that you are financially prepared to handle it and reduce or eliminate any additional stress from an already stressful situation.

Invite God into your past life experiences and ask Him to break you free from the debts, the brokenness, and the wasted years.

A Tale of Two Parking Requirements The impact of parking requirements becomes clearer when we compare the parking requirements of San Francisco and Los Angeles. San Francisco limits off-street parking, while LA requires it. Take, for example, the different parking requirements for concert halls. For a downtown concert hall, Los Angeles requires, as a minimum, fifty times more parking than San Francisco allows as its maximum. Thus the San Francisco Symphony built its home, Louise Davies Hall, without a parking garage, while Disney Hall, the new home of the Los Angeles Philharmonic, did not open until seven years after its parking garage was built. Disney Hall's six-level, 2,188-space underground garage cost $110 million to build (about $50,000 per space). Financially troubled Los Angeles County, which built the garage, went into debt to finance it, expecting that parking revenues would repay the borrowed money. But the garage was completed in 1996, and Disney Hall—which suffered from a budget less grand than its vision—became knotted in delays and didn't open until late 2003. During the seven years in between, parking revenue fell far short of debt payments (few people park in an underground structure if there is nothing above it) and the county, by that point nearly bankrupt, had to subsidize the garage even as it laid employees off. The money spent on parking shifted Disney Hall's design toward drivers and away from pedestrians. The presence of a six-story subterranean garage means most concert patrons arrive from underneath the hall, rather than from the sidewalk. The hall's designers clearly understood this, and so while the hall has a fairly impressive street entrance, its more magisterial gateway is an "escalator cascade" that flows up from the parking structure and ends in the foyer. This has profound implications for street life. A concertgoer can now drive to Disney Hall, park beneath it, ride up into it, see a show, and then reverse the whole process—and never set foot on a sidewalk in downtown LA. The full experience of an iconic Los Angeles building begins and ends in its parking garage, not in the city itself. Visitors to downtown San Francisco have a different experience. When a concert or theater performance lets out in San Francisco, people stream onto the sidewalks, strolling past the restaurants, bars, bookstores, and flower shops that are open and well-lit. For those who have driven, it is a long walk to the car, which is probably in a public facility unattached to any specific restaurant or shop. The presence of open shops and people on the street encourages other people to be out as well. People want to be on streets with other people on them, and they avoid streets that are empty, because empty streets are eerie and menacing at night. Although the absence of parking requirements does not guarantee a vibrant area, their presence certainly inhibits it. "The more downtown is broken up and interspersed with parking lots and garages," Jane Jacobs argued in 1961, "the duller and deader it becomes ... and there is nothing more repellent than a dead downtown.

To calculate the GDP, numerous data points have to be linked together and hundreds of wholly subjective choices made regarding what to count and what to ignore. In spite of this methodology, the GDP is never presented as anything less than hard science, whose fractional vacillations can make the difference between reelection and political annihilation. Yet this apparent precision is an illusion. The GDP is not a clearly defined object just waiting around to be “measured.” To measure GDP is to seek to measure an idea. A great idea, admittedly. There’s no denying that GDP came in very handy during wartime, when the enemy was at the gates and a country’s very existence hinged on production, on churning out as many tanks, planes, bombs, and grenades as possible. During wartime, it’s perfectly reasonable to borrow from the future. During wartime, it makes sense to pollute the environment and go into debt. It can even be preferable to neglect your family, put your children to work on a production line, sacrifice your free time, and forget everything that makes life worth living. Indeed, during wartime, there’s no metric quite as useful as the GDP.

From Tudor to eighteenth-century England, there are many instances of women writers with no place or room of their own. The life-story of the play-wright Elizabeth Cary, Lady Falkland (1585-1639) gives us a dramatic and, lately, much-studied example. In the hagiographical 'The Lady Falkland: Her Life', written by one of her daughters, we hear how the prodigious Elizabeth learnt to read very soon and loved it much... Without a teacher, whilst she was a child, she learnt French, Spanish, Italian [and] Latin... She having neither brother nor sister, nor other companion of her age, spent her whole time in reading; to which she gave herself so much that she frequently read all night; so as her mother was fain to forbid her servants to let her have candles, which command they turned to their own profit, and let themselves be hired by her to let her have them, selling them to her at half a crown apiece, so was she bent to reading; and she not having money so free, was to owe it them, and in this fashion was she in debt a hundred pound afore she was twelve year old.

God’s powerful grace also gives us strength to live in new ways. Forgiving grace is wonderful and essential, but sinners need more than forgiveness. It’s not enough that our record of debt is paid; we also need grace to live like Jesus; we need grace that changes us so we can be like him in his holiness and love. In Romans 6:4, Paul declares, “We were therefore buried with [Christ] through baptism into death in order that, just as Christ was raised from the dead through the glory of the Father, we too may live a new life.

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Once you are debt-free except for your mortgage, bump your starter emergency fund up to three to six months' worth of expenses. That will be your fully funded emergency fund.

How does one discourage antisocial behavior among formerly human beings for whom life imprisonment is a brief inconvenience, if not an undefined term, and the death penalty a slap on the wrist? How do you keep a necromancer bound to the world by thousands of debts from climbing back out of her grave? The answers ranged from grotesque to merely inhumane, but all shared a theoretical foundation: you don’t let the dead go free.

Is that why you say, “Your house is not an asset?” For most homeowners, their house is taking money out of their pockets. A: Yes. Even if your house is debt free, cash is still flowing out of your pocket for taxes, maintenance, insurance, and utilities.

There would be no shoplifting. No one would lie about their co-worker to steal a promotion. People wouldn’t traumatically uproot their families and move halfway across the country for a 10 percent raise. And churches and charities wouldn’t have to beg for donations. If we all adopted the Bible’s perspective, America also wouldn’t be languishing in our current debt crisis. The average household has $16,000 in credit card balances and a total debt just shy of $132,500.4 Our churches aren’t much better, often taking out massive lines of credit to build giant buildings with fancy accoutrements and six-digit landscaping budgets. And our government might be the worst of all, amassing a debt with an embarrassing number of zeros and a century of work required to remove it.

faith is what causes God to move. “Well, Joel, I’m sixty-five years old, and I’ve never had a seventh year.” Are you releasing your faith? Are you thanking God that it’s turning around? Are you declaring, “Where I am is not where I’m staying? This sickness is temporary. I’m coming out of debt. There are new levels in my future. I am free.” When you have this attitude of faith, speaking victory over your life, that’s when the Creator of the universe will show up and do amazing things. Your faith can bring about your seventh year.

As another example, if, through deceit and lies, you caused someone to go to jail unjustly, you may find yourself at some future point imprisoned for a crime that you did not commit. If you then accept what is happening and learn all you can from the experience, you will balance and clear the karmic debt. But if you go into hate, anger, and revenge, you will perpetuate your karma and get to experience it again and again until you learn to bring yourself into balance with it. You might not experience imprisonment as a physical prison experience, but perhaps you might find yourself “trapped” in a job you cannot stand and unable, for some reason, to change that situation. You might find yourself “trapped” in a family situation or in a marriage. There are a lot of ways to be imprisoned. When something happens that appears to hurt you, rather than resisting it and pushing it away, you will embrace it. You will expand your consciousness to encompass the changes and the new situation and to find what new freedoms are available to you. When you begin to understand karma, you can begin to realize that some actions that appear to be “bad” may be actions of fulfilling karma and, therefore, right and proper within that framework. For example, in a previous lifetime, a mother abandons her child and leaves it in the hands of people who do not really care for the child. Because the mother refused to accept and handle her responsibility for the child, the child grew up unloved, abused, misused, and leading a very unhappy, embittered life. The child reembodies at some point, grows up, and has a child of her own, who happens to be her mother from the previous life. She may feel no love for her baby and may abandon it, giving it the opportunity to have the same experience and learn what it is like to be abandoned and unloved. People who observe this might be apt to judge this mother for abandoning the child, when she is actually only fulfilling the karma and bringing to the other consciousness the experience that is necessary to free it from the karma it had created in that other lifetime. So unless you can read the karmic records and see what is within each person’s heart, it is best not to judge actions that appear to be unusual or cruel. It may be an action fulfilling a karmic debt.