SURPLUS OR SERFDOM; DON'T BE A DEBT SLAVE, INSTEAD ATTAIN A SURPLUS. THERE IS NOTHING WRONG WITH SPENDING, JUST KEEP A SURPLUS, THIS IS SOMETHING BANKS AND GOVERNMENTS DO NOT PROMOTE, FOR THEY WANT YOU TO FOREVER BE IN DEBT TO THEM, MAKING YOU A DEBT SLAVE (SERFDOM). BORROWING WITH HIGH INTEREST CAN BE A MEANS OF ENSLAVING YOU!