HBD Is Debt
Many are fearful of the fact that HBD is debt. This is true.
Then I currently have $1428.74 HBD debt. This is approximately 2.6 months of minimum wage income (approximately $550 USD per month) in my country (in Hungary). So most people work three months to get this amount of money (most jobs provide monthly salary).
This thought is indeed scary/frightening. If I would have this amount in debt, then I do not even know what would I do.