Let’s begin the conversation assuming that many readers are currently in debt, and just beginning to figure out a plan to gain financial independence. Of course, I expect that some readers might already have a great plan and are further along in their quest to build wealth. Frankly, since a wise person is never done learning, maybe some readers are further along than I am. But in any case, if you are reading this, it means you want to do better. You want every advantage you can stack in your favor. So here we go.