Deconstructing Debt

Debt touches nearly every stage of our financial lives, and while it often carries a negative connotation, it can also be a powerful tool when used wisely.

This article breaks down the difference between “good” and “bad” debt, offers a practical framework for evaluating when borrowing makes sense, and highlights habits—like maintaining an emergency fund and managing credit responsibly—that help keep debt from becoming overwhelming. It’s a simple, clear guide to making more confident borrowing decisions and strengthening your long-term financial health.