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Debt is a dangerous thing and can be one of the biggest enemies to wealth. People who are successful, people who understand wealth in a big way, know the goal is to minimize debt as much as possible. Nothing can take you down to zero or below faster than debt.
When you accumulate credit card debt and car debt on top of mortgage debt, student loan debt and any other debt you might have, it becomes a hole that is difficult to get out of. The accumulation of debt can sometimes feel like an anchor to a boat or even shackles that run you down. Debt slows you down, keeps you from growing, and reduces your ability to live your life to the fullest.