Debt. The four letter word that we sometimes just think is a natural part of life. A means to an end, a way to acquire things that if we had to pay out right cash we would not be able to afford. Growing up my father did not believe in credit cards and he believed in living well below his means. He paid cash for everything and we lived in a small two bedroom apartment, 7 of us plus my niece when she was born. Our rent was well below the market rate. He usually purchased used cars. He went to work everyday, then would work on cars after that. Always working, always saving, and always living well below his means. I had a happy childhood and didn't feel like I missed out on much. I had food, clothes, and most importantly love. I was a little embarrassed one time when a girl from the neighborhood asked me where was my bedroom. I think I told her it's back there pointing to the rear of our apartment. What I was really thinking is, girl you are sitting on it. My two older sister