# debt — 5 quotes
The debt snowball works because personal finance is 80% behavior and only 20% math.
I went broke trying to get rich quick. The way to get rich is boring: spend less than you make, stay out of debt, invest consistently for 30 years.
We are all living in a debt supercycle that has one inevitable conclusion. The question is what you hold when it resolves.
Debt steals your future. Every dollar you owe is a dollar you can't invest, give, or enjoy.
I'd rather grow slower without debt than grow faster with it. Leverage amplifies everything — including mistakes.