Debt is the number one enemy of your financial wellness. It will cripple your ability to save money and to build wealth. It acts as the proverbial hole in your pocket. You put money in and it simply goes out. Debt is also relentless as the interest rate compounds daily. It does not stop. Every day that passes is a day when debt gains ground and you lose ground. Paying only minimum payments will keep you in servitude the rest of your life. So I ask you again, how desperate are you? You need to take extreme measures to increase your cash flow so you can gain ground on debt and defeat it once and for all.