Debt doesn’t have to be seen as a trap—it can be part of a manageable, intentional financial plan. When you break it down into smaller, consistent steps, it becomes less overwhelming and more structured. For example, paying off one credit card at a time or setting up automatic payments can give you a sense of progress and control. Unlike saving or investing, which build up over time, the repayment gives you quick wins each time a balance decreases. Each step forward is a reminder that you’re moving closer to financial freedom. With the right approach, debt shifts from something stressful into a challenge you’re actively overcoming—one that leaves you stronger, more disciplined, and ready for the next stage of your financial journey.