{"id":17332,"date":"2020-11-08T12:35:00","date_gmt":"2020-11-08T16:35:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=17332"},"modified":"2020-11-21T15:04:38","modified_gmt":"2020-11-21T19:04:38","slug":"myths-about-debt","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/myths-about-debt\/","title":{"rendered":"Myths About Debt: Avoid Them for Financial Health"},"content":{"rendered":"\n<p>What are the major myths about debt? How do myths about debt hurt your financial health?<\/p>\n\n\n\n<p>Myths about debt are an obstacle identified in <em>Total Money Makeover<\/em>. Rethinking these myths will help you on <a href=\"https:\/\/www.shortform.com\/blog\/choose-your-own-path\/\">your path<\/a> to financial health.<\/p>\n\n\n\n<p>Read on to understand the myths about debt and how they are obstacles.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Myths About Debt&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>The second obstacle to gaining control of your finances is the widespread belief that debt is useful and normal<\/strong>\u2014that everyone has it. In addition to this belief, there are a variety of related myths about debt that encourage different types of borrowing.&nbsp;<\/p>\n\n\n\n<p>You must reject these views of debt before you can get control of your finances. Society encourages us to take on debt starting as young adults and to carry debts throughout our lives. There are several reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Our culture promotes <a href=\"https:\/\/www.shortform.com\/blog\/immediate-gratification-2\/\">instant gratification<\/a>.<\/strong> Although it\u2019s human nature to want things right away, mature people delay short-term satisfaction for a bigger payoff later. But society encourages immaturity by urging you to get what you want now, before you can afford it, by borrowing.<\/li><li><strong>Financial institutions, stores, and other lenders promote borrowing to get what you want because they benefit when people owe them money.<\/strong>&nbsp;<\/li><li><strong>Debt has become so ingrained in our thinking that most people believe debt is normal<\/strong> and can\u2019t imagine living without it. We don\u2019t know how to get a car, buy a home, or go to college without debt. Most can\u2019t imagine living without a credit card. (Americans have about $900 billion in <a href=\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\">credit card debt<\/a>.)<\/li><\/ul>\n\n\n\n<p>So debt is widely viewed as the way to do things. We\u2019ve bought into it to such an extent that we get defensive if we hear anything negative about debt. But the borrower is the slave to the lender. <strong>Your income is your primary means of <a href=\"https:\/\/www.shortform.com\/blog\/building-wealth\/\">building wealth<\/a>, and when it\u2019s tied up in debt payments, banks gain and you lose<\/strong>. If you invested your income, you could build wealth and security. How much discretionary money would you have each month without debt payments?<\/p>\n\n\n\n<p>Here are some of the biggest myths about debt that you must give up:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Myth #1: Debt Is Useful<\/strong><\/h3>\n\n\n\n<p><strong>The biggest myth about debt is that it\u2019s a tool or leverage you can use to build wealth<\/strong>\u2014for instance, to get a car, home, or <a href=\"https:\/\/www.shortform.com\/blog\/how-to-get-a-small-business-started\/\">start a business<\/a> that will be a foundation for building your wealth, that is, an investment in your future. It\u2019s smart to use other people\u2019s money, we\u2019re told.<\/p>\n\n\n\n<p>However, debt doesn\u2019t usually make you more prosperous. It creates risk that, over time, builds and erases any initial advantage.&nbsp;<\/p>\n\n\n\n<p><strong>If you <a href=\"https:\/\/www.shortform.com\/blog\/do-you-want-to-be-rich\/\">want to be wealthy<\/a>, you should do what wealthy people do instead of believing myths about debt pushed by lenders<\/strong>. Three-quarters of the Forbes 400 wealthiest people in America told pollsters that the best way to build wealth is to stay out of debt. Millionaires live below their means and pay cash.<\/p>\n\n\n\n<p>Three of the biggest lenders at the time this book was written\u2014Sears, JCPenney, and Ford\u2014were founded by people who actually opposed debt. For example, Henry Ford thought debt was a lazy way to get things; his view was so strongly held that his company didn\u2019t offer financing until a decade after GM did. Today, credit is one of Ford\u2019s (and any car company\u2019s) biggest profit generators.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Debt Consolidation Solves Your Problems<\/strong><\/h3>\n\n\n\n<p>When people\u2019s debts become overwhelming, they may turn to services that will consolidate their debts.<\/p>\n\n\n\n<p>Debt consolidation is appealing because it can lower interest on some of the debt, and you have a single smaller payment. But there are several problems:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You still have the debt\u2014you just rearranged it.<\/li><li>While your payment may be lower, you\u2019ll be paying over a longer period.<\/li><li>While you feel as though you\u2019ve addressed the problem, you\u2019ve only treated the symptom. You have to change your habits of overspending and buying on credit. One debt consolidation firm estimated that after someone consolidates their credit card debt, it grows back more than 75% of the time because they haven\u2019t changed their behavior.<\/li><\/ul>\n\n\n\n<p>Your Total Money Makeover requires changing your view of debt, and getting and staying out of debt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the major myths about debt? How do myths about debt hurt your financial health? Myths about debt are an obstacle identified in Total Money Makeover. Rethinking these myths will help you on your path to financial health. Read on to understand the myths about debt and how they are obstacles.<\/p>\n","protected":false},"author":6,"featured_media":18012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81,31,24],"tags":[147],"class_list":["post-17332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","category-money","category-society","tag-the-total-money-makeover","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Myths About Debt: Avoid Them for Financial Health - Shortform Books<\/title>\n<meta name=\"description\" content=\"What do you know about debt? Chances are, you&#039;ve probably heard some myths about debt. 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See what they are and why they&#039;re problematic.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-08T16:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-21T19:04:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2020\/11\/total-money-makeover-5-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1708\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rina Shah\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rina Shah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\"},\"author\":{\"name\":\"Rina Shah\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/d07435826f13a8f422d5d333dceac287\"},\"headline\":\"Myths About Debt: Avoid Them for Financial Health\",\"datePublished\":\"2020-11-08T16:35:00+00:00\",\"dateModified\":\"2020-11-21T19:04:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\"},\"wordCount\":721,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2020\/11\/total-money-makeover-5-scaled.jpg\",\"keywords\":[\"The Total Money Makeover\"],\"articleSection\":[\"Economics\",\"Money\",\"Society\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\",\"name\":\"Myths About Debt: Avoid Them for Financial Health - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2020\/11\/total-money-makeover-5-scaled.jpg\",\"datePublished\":\"2020-11-08T16:35:00+00:00\",\"dateModified\":\"2020-11-21T19:04:38+00:00\",\"description\":\"What do you know about debt? 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