Live Below Your Means

Debt is not your friend its a plague, and I did suggest you avoid it as such. If you want to become indentured to creditors then by all means, live the high life. Purchasing something you can not afford will not seem like such a great idea as you watch it get repossessed. Liquidity and cash flow give you options, which will afford you the ability to work through tough times. You place everything at risk when you become over-leveraged