Debt may serve as a shortcut in the long journey to financial freedom, and while shortcuts can be useful, they need to be approached with caution. As debt grows, compounds, and consumes, the burden can become significantly heavier. At some point, you may realize that your "financial figure" has gotten out of shape. Unless you take dramatic action, you’ll face serious consequences. Joseph Aufiero, owner and CEO of Total Financial Freedom LLC, a leading debt relief firm, explores how to pay off debt faster, easier, and cheaper in this financial fitness guide. Learn how to: - decide whether you should rent or own a home; - determine how much money you need to live the life you want; - transition from accumulating debt to accumulating wealth. The author also reveals how to improve your credit score, find financial solutions that make sense for you and your family, and identify monthly expenses that can be easily reduced.