Joe Heman

Money doesn't come to you because you deserve it.

Money doesn't come to you because you are broke.

Money doesn't come to you because you need it.

Money comes to you because you have something to offer.

Debt can be a useful tool to attain financial success but how you use it matters.

Wealthy people use debt as a tool to leverage their investments/grow their cash flow... but poor people use debt to buy things that make rich people richer.