Are Loans Right For You?

Here is my opinion on loans. It is not the opinion of whom we call “expert financial
advisers” or “debt consultants” but for many, it is an opinion of the simple truth. The
truth about loans is that you should not need one. If you do need a loan, you are not
on the right path in life. Debt is not a good feeling. People get loans in desperation
or greed or lack of sensibility. If you cannot afford something that you feel you need
or want, then you should not want those things, you should want more money. However,
you should not want to borrow money, you should be concentrating on how you make that
money for yourself.

Now, many will agree there are very few loans that are actually worth getting. For
instance, student loans are actually going towards a very productive, positive,
worthwhile cause. It is true that over 50% of student loans end up being wasted by the
student instead of being used to better educate themselves. But the ones that do use a
student loan to ultimately get what they want in life are the ones that deserve the
loan and can handle the debt. An example of a horrible loan to get is a payday loan. If
you cannot support yourself between paychecks and cannot save up enough money to use
for emergencies then you should not be getting a loan. Instead of getting a loan you
should be concentrating on making more money, and let your “injustices” or “sufferings”
propel you towards a better income and financial stability.

If you work for, own, or otherwise are affiliated with a bank or other type of financial
institute that makes their money off of interest paid to them by people borrowing
money, then please let me give you some praise. About 1% of the population makes
roughly 96% of all the money. This is no accident either. Parts of that 1% are
financial institutes that I have mentioned and slightly demeaned. Just give yourself a
pat on the back, you made so much money that you are now able to make even more money by lending all the money you made to people who lack the mindset to create wealth on their own.

Money makes the world go around, the question is; who’s going to make the money?

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