Almost 13 years ago LDS President Gordon B Hinckley gave prophetic council to the men of the church. He warned of an upcoming financial crisis. He counciled members of the necessity of getting out of debt and living within our means. Following this wise council has blessed me in profound ways. While others are struggling to make debt payments, I am not.
I think the next few years will be hard times. Are you ready; or are you living on borrowings?