A couple things to know first about debt is that it is not a sin, and we don't need to be anti-debt. There are some expenses in life like a house or a car that for most people will require some amount of debt. But we have to understand that once we take it on, we become servant to the lender, as Solomon described in the book of Proverbs. It becomes our responsibility to solve.

Because debt will only add to our pressure, we should try to avoid it. But the important thing to navigate when we must take it on, is how much can we handle? Will we be able to meet the payment amounts? Will we be able to do it on time? These are questions to help protect us from getting in trouble down the road.