“Vision is the art of seeing what is invisible to others.” – Jonathan Swift

Everyone says that you should be debt-free.Inside, you probably already know that. After all, there are so many benefits to being debt-free that it doesn’t take a financial expert to figure out that your life will be better without debt that it is with it. But that begs the question: why isn’t everyone debt-free.

I’m going to speculate that knowing what’s right isn’t sufficient to motivate most people to do anything,...