I always feel so excited and inspired when I think of this and when I watch people pull it off. To go from a tangled web of stress and anxiety which just compounds worse and worse to picking everything apart, formalising it, spending energy working out how we function as people to work out our method and then just simply, enacting it. Woof it does something to me!

Being in debt is not the worst thing a person can be. The dichotomy between 'good debt' and 'bad debt' is overblown in my opinion, there's rarely enough nuance. Rich people might be mortgaged up to the eyeballs but if they've got a nice home nobody's going to be lecturing them. Debt is a tool for some people, if you're aware, clever and cautious about it - and it would be great if it could be a tool for us.