Debt is always negative, no matter how positively you try to look at it. The “minus” sign in front of your bank balance is a dead giveaway, despite what you might think about leveraging or whatever. It’s even worse when it’s a credit card or a student loan, and you can’t even remember what you’ve bought or learned with it. Sure, the minimum repayments will eventually cancel it out, but by that time you will most likely have dentures and be peeing anywhere you damn well please.

A million dollars. Think about it for a moment. It’s not just a large number – it’s a symbol of everything we’ve been told to want in this world. Foreign cars with doors that swing up like magical wings. Houses with in-ground pools and wine cellars. Wines that are older than you, and foods with names that can’t be pronounced by mere mortals. A million dollars would open the kind of doors the general public doesn’t even know exist.