Ever felt overwhelmed by fear of debt, to the point where it's clouded your perception of yourself? You're not alone. My own dread of debt kept me credit card free throughout my 20s and shaped an unsettling narrative of personal worth tied to financial debt. In this engaging episode, we'll redefine debt, not as 'good' or 'bad', but as  neutral that, when understood and handled strategically, can be a powerful tool irrespective of your age or stage in life.Retrospective insights from my 20s form a significant part of the discussion; from the pressure of maintaining a 'fashionable' image to learning the art of declining unnecessary expenses. Remember wanting that swanky apartment but couldn't afford it? I had the same desire, but chose a budget-friendly apartment instead – a decision that has paid off. Whether you're just starting out on your financial journey, or seeking to improve your financial knowledge later in life, this episode's candid anecdotes and valuable advice are sure to equip you with a fresh perspective on debt and the importance of saving for retirement.

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