There is so much talk now about getting out of debt, and about how bad it is to have debts, but it's simply not true. Are you supposed to pay cash for your home or your car? Of course not. And if you move from a furnished place to an unfurnished one, are you supposed to live without furniture, a cooker and a fridge? Of course not. It's having too much debt that's the problem, but we'll look at some different ways to reduce it right now.