For example, some will first incur debt as a student, with a student loan or a student credit card. So those sections will be presented early on.  But if you’re no longer a student or never needed loans during that part of your life, feel free to skip those and any other topics that do not pertain to your personal situation.

 

I trust though, that all readers of this book will find immense value from just a few topics immediately, perhaps a few more at a later point in their lives. 

One more thing.  You’ll find that some suggestions are repeated in two or more spots.  I realize that not everyone will read this book sequentially from beginning to end, and many will skim for the topics they are interested in.  Consequently, some of the suggestions will pop up in multiple spots, as common suggestions or comments in different discussions.

 

So let us begin: