Being in debt to a bank, credit union, or another person is one of the main things that holds so many people back financially. Instead of working for ourselves, we spend hundreds of hours every year working to make someone else wealthy. How demoralizing is that? Instead of making money that will help us live a comfortable life, we are making money that we have to instantly give to a bank. Have you ever noticed that banks have the nicest real estate in every major city? They are able to buy those fancy buildings because of all the interest that you and I have paid to them over the years.…