Not having $1 vs having $1 while being in debt to someone for that $1 may look the same when we look at our balance sheets and net worth. However, they certainly don’t feel the same.

The vast majority of us have credit card debt, home loan debt, automobile loan debt, school loan debt, medical bill-related debt, gambling debt, investment margin debt, business-related debt, liens against our property, or owe money to a friend or relative. Too often, these debts last long after the joy and usefulness of the purchased product or service have left us.

Charles Tadros, M.D.

February 7, 2023

Saint Louis, Missouri

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