It used to be an accepted hypothesis that along with the perception of some credit being a bad thing for your finances, economists believed that was also a type of “good debt.” Today, volatility is spread over many markets. Many long-held assumptions about good or bad debt should be reconsidered now, following a long year of unrest affecting our lives’ health, economic, climate, and social realities.

I look at the millennial generation and see incredible opportunities for financial planning and wealth building. There's something about the spirit of this young generation. Many are exploring the possibility of early retirement and are eager to reach financial independence in order to do so. My advice is always to focus on acquiring assets.