The Azam-Rizwan Show
10 to 11

Always have options

That's the major downside of a debt-powered lifestyle. Remember reading a story about a guy who kept on buying more and bigger as his income went up. He moved his wife and children to a better house with a larger mortgage. Got a newer car; wife got her own. Eventually wife quit her job to stay home. More toys, lavish vacations. The problem? Zero savings and insane debt.

He lost his job in 2008. Sold her car. Then, his own. Couldn't pay mortgage. Moved in with the in-laws. He went from a $200,000 salary to working part-time at Walmart. He had the option of wiggle room but he wasted it.

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