[Parmy]

If the mind-set is that debt is bad and one understands that when one has debt one is not free, then there is no need for math. The obvious modus-operendi is that of cash. That means you save until you can pay for what you desire. If you don't have the cash, then the desire is forgone and one moves on.

Generally, one cannot miss what one doesn't have. One makes do. That is what our ancestors did day in and day out.

[editor-surveyor]

You’re missing the whole point WRT Obamacare.

You do need to run the numbers to fully understand what kind of trap O-care is.

We had the ideal “health insurance” plan in place before O-care came along. It was called a “Medical Savings Account” or MSA for short.

My wife and I were actually making $10,000 per year on our MSAs until Pelosi and Reid raped us.

With a MSA, you have a strong incentive to stay away from the med establishment, and that is a good thing. Stay away, and the longer you do it, the healthier, and wealthier you get.

[sr4402]

There is a serious problem with Debt and your common sense approach, though wise for wise people, fails miserably to free folks from it.

Dave has freed millions of Americans and in other countries from debt and to stay out of debt. Can you say the same?