“Some have been ensnared in the net of excessive debt. The net of interest holds them fast, requiring them to sell their time and energies to meet the demands of creditors. They surrender their freedom, becoming slaves to their own extravagance.”

American businessman and Latter-day Saint religious leader

Joseph B. Wirthlin was an American businessman and Latter-day Saint religious leader. He served as a member of the Quorum of the Twelve Apostles of the Church of Jesus Christ of Latter-day Saints. He was sustained to the Twelve on October 4, 1986, and ordained an apostle on October 9, 1986, by Thomas S. Monson. His appointment followed the death of church president Spencer W. Kimball. In that role, he was accepted by church members as a prophet, seer, and revelator.