“Before you start feeling bad about yourself for your debt, this would be a good moment to remind yourself that money doesn't exist--it's just a system of value exchange. That's it. Pure and simple. So, if you have debt, you've received value and you've not given the equivalent value back to the particular party in the exchange yet. That's all it means. It doesn't mean you're a bad person. It doesn't mean you're a screwup. You're not hopeless. You're not a mess. You simply have more value to give.”