So many of us are in debt and we don't even realize how we got there. To make matters worse, we struggle with how to get out of debt. Should we make more money to pay those bills? Should we spend less money? What bills should I prioritized? these are just some of the first questions we asked. The most important question in my opinion is: Do I know what my debt is? The answer to that question seems easy enough, until you start to dig and become overwhelmed with what you find and how to handle it. Starting the process to becoming debt free is exciting, daunting, scary, freeing and whatever other word you want to use. The one thing that is CLEAR, one cannot be financially independent, if you don't tackle your debt ( notice I did not say debt free).