"Borrowing money has become a part of life for most people. Unless you're sitting on a tremendous cash reserve, you'll need to borrow money to buy a home. If your car dies and you need a new replacement, you will probably finance some of the purchase. And with out of control college tuition costs a student loan might be the only option for getting an education. Taking on some debt isn't a bad thing as it's just a financial tool that helps you reach your goals. But like any tool, if it is misused you could find yourself doing more harm than good." -- Their words on Financial Planning.
