Hanna Horvath, CFP®
Region: US
Friday 11 September 2026 18:27:11 GMT
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hotandrew :
no debt= no credit. which..makes zero sense at all. I am financially debt free rn..without some cc rack up..its like im invisible
2026-09-22 12:28:13
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Caitlin Checker :
Could you link an article/stats about how it’s worse now? Someone told me the other day that debt in the US is lower than usual, but that seems unlikely
2026-09-11 22:42:27
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dmartinezdm :
It takes people a long time to learn about money, some never learn. I was never taught about it and had to learn the hard way.
2026-09-11 19:16:44
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sir.g :
Everything you're saying is correct, but I think you're missing a crucial part. *Why* is the economy designed for you to owe money? Money is a proxy for value. But the real value is a large workforce, incentivize to produce goods & labor at a moment's notice. Debt Increases that incentive & decreases the person's ability to stop producing The unfortunate reality Is that as a citizen, it is in my best interest to not fall into that trap. But it is also in my best interest for the trap to exist. For others to fall into it & in turn to strengthen the dollar. Equally unfortunately, It's hard to help people who do not understand that they are being helped. If you were to take credit away, the benefit would be distant and abstract, but the drawback of not having those luxuries would be immediate & obvious. The people who are trying to help would not allow it.
2026-09-11 23:35:14
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RoyceOfRealEstate :
I think it's important to characterize DEBT vs LEVERAGE. The goal shouldn't necessarily to be debt free, the goal should be to be consumer debt free while using (loans) strategically to get into income producing assets or opportunities. To your point, almost any debt is so easy to acquire now and the cost of (getting an education, car) makes it nearly impossible to do otherwise, alongside the ease of financing everything from french fries and shoes. It's wayyy to easy to muddy the affordability of things these days.
2026-09-12 00:09:08
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Comedy and Tragedy :
Chapter 7 is the now the new goal
2026-09-13 01:48:53
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Swegit :
the idea that credit cards are less seamless than by now pay later businesses is absolutely absurd
2026-09-11 22:07:57
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ScroogeMcDuck :
Yes that is the whole point. This country was built on slavery. Slavery never ended.
2026-09-13 21:25:52
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sylviaezeokafor :
Billionaires have no shame around debt, that’s their whole MO
2026-09-12 01:23:25
2
nonintendo3 :
You’re also penalized if you pay off all of your debt. The whole system is a scam and set up for you to fail. That’s why I filed bankruptcy and then left the country 😁
2026-09-11 20:25:53
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HTX_HotTakes :
in the more that you're in the more likely you're going to be desperate for an income and you can be exploited even further this is the point
2026-09-12 02:50:28
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Tshiamo Monageng :
You still think it is the individuals fault for going into debt? Please study financialization in order to understand why it's the incentive for corporations to encourage spending on credit.
2026-09-13 06:02:23
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reemny01 :
Consumer debt is usury
2026-09-12 03:44:31
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Daniela :
A lot of people can’t afford basic needs without those but now pay later. Living is so expensiveee
2026-09-12 16:22:32
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martinlesbianking :
I just got out of CC debt and I come home to new offers evvvvvery day 😳 like am I supposed to be in debt??
2026-09-13 18:35:52
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xolonode (Adrie/Adriana) :
That’s the definition of student loans
2026-09-11 20:24:24
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Nnamdi Okoye :
I’ve said that. Even the wealthy use debt as a tool. Still in debt. Disincentivized to have personal liquidity.
2026-09-11 22:54:46
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Nicole :
Debt feels like a subscription cost so it feels normal
2026-09-17 18:59:12
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allie :
I so appreciate you talking about this because I think it’s under-appreciated how much the credit economy contributes to inflation. When companies raise prices and consumers can’t afford them but choose debt as the bridge, it reinforces that pricing model as credit serves as an artificial extension of purchasing power and drives prices up—companies don’t care if consumers pay by cash or credit, but the longterm financial outcome for consumers is wildly different.
2026-09-14 11:17:41
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TheArtofDannimonDesigns :
I rather live without than go into debt. I saw my sister go into so much debt she will be owing money 50 years after she dies.
2026-09-12 11:09:06
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anthonycascio7 :
Also the fact that basically every major city and every country operates under debt, so what does any of it mean
2026-09-16 11:18:34
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redplanet :
Having a kid in college almost ensures you will be in credit card debt. All that debt is such a trap
2026-09-12 01:44:53
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Millyj :
I had to finance my HVAC unit for $12,000 and I have a second HVAC unit that will only give me a few more years. and it hit me the other day that it will go out before the first one’s paid off and I’ll probably have to borrow for that one and by the time I pay the first one off the first one might have to be replaced again because they make things like crap now. I’ll go to my grave on a permanent rotation at the HVAC financing.
2026-09-12 00:35:36
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calm down killuh :
You spitting facts with this one.
2026-09-11 23:02:02
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