Get outa debt.....of course a Mortgage and Student loans are the norm for most. Other than that, cut up your credit cards. Buy what you can afford in cash and if you can't, the save up.
No one has to be in debt to the Banks on a personal level.
Most Private Businesses are being forced to keep cash reserves now. Very few have had their credit limits decreased with higher interest rates.
The healthy balance sheet going forward is limited debt. Back to the way things were.
Otherwise...you are controlled by the banks.
The choice is yours. It may not be easy as the BMW, or Home you have is outa your price range. The girls you wana impress dig the "Bullshit" fake you. But wake up or decend into proverty.
Choice is yours.
FUCK THE NATIONAL BANKS. That is my motto....I don't need them.
I bank at USAA, I handle all my own investments and USAA is only because I don't want to keep large amounts of cash at home.