Debt. The four-letter word that can send shivers down your spine. But what if we reframed it? Debt can be a double-edged sword. Used wisely, it can be a tool to build a future (think mortgages or student loans for valuable degrees). Used poorly, it can become a burden that weighs you down. This blog post is your roadmap to becoming debt-savvy. We'll break down different debt types, explore ninja moves to minimize interest payments, and finally, craft a plan to achieve that glorious debt-free state.