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From the time I was 18, I can remember the debt load I have accumulated. I’m not so care free about my spending since I’m approaching 40 and times are tough. I purchased your book, “Zero Debt”, 5years ago and I am really going to apply it this year, hoping to resolve my debt anxiety. Though I have good credit, a job, and roof over my head, I can’t seem to enjoy the livelier things I can be spending on: vacations, nice car, a new house, etc. From reading the first few chapters, I think I have to work from within.