I have two big dreams. I’ve had both of them for some time. I hope I can someday fulfil both, but right now, I cannot.
Dream 1) Get an RV and travel the US and Canada. Visit the many friends we have made on-line and do some small marriage conferences. Reconnect with old friends and make new ones. Listen to couples so we can gain an even better understanding of marriage, what makes marriages good, and what tears marriages apart.
Dream 2) Spend some time in the Philippines. I have a friend there I would so love to spend time with. I want to get to know a different culture and learn a new language by living with those who speak it. I want to expand my thinking, challenge my ideas, and see just how far out of the box I can get.
The Problem) I am in debt. I don’t have the money for either of these dreams. Beyond that, we have to put in many hours to earn enough for both our current and past expenses – so I don’t have the free time to follow my dreams.
Thanks to doing Financial Peace University a couple of years ago, we have reduced our non-house debt by 45%. At that rate, we might be out of debt (aside from the house, which we can sell for at least what we owe) in three years. It eats at me that my past mistakes are taking so long to resolve, and keeping me from doing what I want – and even what I think God wants us to do.
I share all of this to beg you to stop adding to your debt, and start getting out of debt. Debt is not the American way; it is the way of sorrow and destruction. Even if your debt does not ruin you financially, it will limit your choices. It will enslave you to work many hours, limiting your time with your wife and children.
Debt is a bad plan – flee from it!