A couple of weeks back someone asked me "What's the secret to getting out of debt?"

Wow, tough question, I thought.

Because so many people find it easy to get into debt. But getting out of debt, that's a whole different story. For many of us it's like going to the dentist - it's easier to pretend there's not a problem until the pain gets REAL bad, and you can't avoid it any further ... or else!

So, what is this secret to getting out of debt?

Is it debt settlement? Credit counseling? Getting lucky and winning the lottery? Investing in the stock market, or real estate?

Nope. Nope. Nope. And nope.

If there's one thing I've learned over the last few years, the secret to getting out of debt is ... well, it's the same as the secret to succeeding at anything in life:

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