As Charles C. Noble quotes "First we make our habits, then our habits make us," we can get into a habit of living on debt, maybe starting in our youth as college debt and carrying on into our elder years as we become accustomed to the lifestyle it affords.
The way debt is used at various stages in one's lifespan is discussed in this piece "Life-stages of Debt" from Bankrate.com's website. Insight into how the habit is acquired may give you the ammunition you need to break the habit.
Do you agree?
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