Goes with #3, but staying out of debt is a big one, too.
Debt kills dreams. It causes family and social strife. It causes stress which can lead to physical, mental, and emotional problems.
But we are told, every day, that we should go into debt for everything: houses, cars, educations, vacations, healthcare, new business ventures, etc. This is one of my biggest pet peeves with the message being sent to all of the gullible people of the world.
