The average person with credit card debt in the US owes $15,779. Why is that? No one wants to be in debt. But the world we live in is strongly focused on ???things,?? and you can??t buy things without money. Feeling compelled to compete with friends and neighbors is hard to avoid, and loans are easy to get. From cars and homes to vacations and electronics, we??re constantly being pushed to buy, buy, buy. And most of the time, what we want???or think we need???is outside our means. We do need to buy some things to survive, but when you go into debt, you??re jeopardizing your future Financial Freedom! Keeping Up with the Joneses Peer pressure is one of the biggest motivators for overspending. As a doctor, I expected to work hard, earn a great living and have my finances magically work out. In reality, I saw my colleagues pushed to the limits financially as they felt the pressure to send their kids to private school, take frequent vacations or just simply try to give the impression they were well off. They were working more so they could spend more???not so they could reach Financial Freedom. ???Everyone?? Has Debt Funding your life by going into debt has the unfortunate side effect of making debt seem normal. And that makes going into more debt that much easier! If everyone has debt, why shouldn??t you? The temptation to buy what you can??t afford is all around, but debt is NOT a given. You can make the choice to avoid debt, but you have to put in the effort to change your relationship with money. When you reach Financial Freedom, you??ll have what everyone actually wants. You??ll have the freedom to stop exchanging your time for money and to make choices about how you WANT to live your life. When you have true Financial Freedom, you won??t need to keep up with the Joneses, you??ll be their role model! Choose Freedom! Dr. Tony