Debt is so ingrained into our culture that most Americans can't even envision a car without a payment... a house without a mortgage... a student without a loan... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

The Total Money Makeover: A Proven Plan for Financial Fitness (ed. Thomas Nelson Inc, 2009) - ISBN: 9781595550781