We dig our own graves with debt, but if we pay attention, we will be able to fill our own debt hole and start creating our own little pile of wealth ! But how the hell to do it? The first part of the solution is simple: education. Going out and learning about all the debt restructuring programs available could save you literally tens or hundreds of thousands of dollars in interest payments and significantly reduce the time you spend living with debt. There are fantastic organizations dedicated to helping you restructure your debt. Most of these organizations also offer great information on how to reduce your taxes, manage your investment risks, invest smartly, and plan your estate, so be sure to take advantage of all of these resources as well. But is education alone enough? This is the trigger to get out of debt, but to truly tackle the debt beast, you're going to need to increase your income.