Me and my wife are taking a class at Church on finances. We are reading a book by Crown Financial Ministries which is more Biblical than Dave Ramsey's books. My major regret from recent years was owning a smart phone when I was unemployed or on a low income. I survived 10 years ago without a smart phone, and living so far away from my parents costing me hundreds of dollars in travel costs to see my family each time. Also buying too many movies. Got over 40 of them I bought on iTunes, subscribing to Cable TV when I could not afford it. Perhaps some of my problems is due to a lack of CONTENTMENT, however the Crown book does justify some debts as long as they appreciate in value or produce an income. When my engine blew on my car a few years back I had no choice but to take on a small loan and get a new car as I needed an income and a car got me there so that kind of debt the book justifies, but it does not justify getting school loans for ministry degrees or other non marketable degrees that will not produce a good income to pay back the debts. So what can I do in my present situation? Be faithful with what I have and if God desires me to get out of debt he will give me the income. So are you content with what God has provided or do you constantly need more???