Our culture accepts it; our capitalism encourages it; our government models it. We are enslaved to financial debt. Credit has replaced savings in our culture that doesn’t know how to live below our means. The Bible describes the condition of being indebted to another as a significant burden, and the emotional reality is sometimes overpowering. Furthermore, usury has become the new capitalism, as the rich get richer by applying excessive interest rates. Something has to change. Christians can’t continue to live like this. We have to regain control of our finances, eliminate our debts, and begin to live below our means. What freedom awaits us when we do.