Begin with an End in Mind

Let's start with being debt-free. Unlike most people, I do not need debt help or refinancing or switch credit cards or worrying about my home mortgage. To me, this is freedom, I do not have to "work" for the banks or the finance companies. I do not have to tell myself I cannot do this because I have to repay this loan or that mortgage every month. Am I living in prehistoric age!

However, I heard that it is better to have good debt - debt that pays you! I read about this concept in Robert Kiyosaki books.