Not being able to differentiate between good and bad debt or not knowing how to use credit cards correctly is more what im discussing. You shouldnt use what you dont understand. The majority of people who have debt use things like credit cards and dont understand how to use it...which in turn creates their debt situation. You're like at step X, Y and Z...im talking more about steps A, B and C. Thanks for taking the time though. I'll definitely check out your articles.