Nate and his family decided a while ago that they were fed up of living with debt. They made a lot of sacrifices, they lowered their living standard, they got by with only one vehicle (they’re a family of 6!!) and Nate even took a second job.

If you are currently stuck with too much debt, I pray that you will look for and find the wisdom and discipline you’ll need to pay off your debt.

However, the more debt you have to repay, the more likely it is that you will: choose a work that makes you more money, but takes more of your time, choose a work that makes you more money, but takes more of your energy and leaves you drained, which means the time you get to spend with your family is not of the same quality, choose to work more overtime – time you could have spent with your kids, choose to take yet another business trip – because you really need that job – instead of telling your boss to go screw himself.