Thank you for the insightful article. Finance has its own set of rules, just like nature does. Just as we cannot ignore the rules of nature, we cannot ignore the rules of finance. Unfortunately, these rules are not often taught to us, and we need to discover them for ourselves. The most fundamental of these rules is not to spend more than what you earn. This means spending what I can afford, rather than what I perceive as what I need. If my needs exceed my income, it is not resolved by taking on debt