We are digging our own grave with debt, but if we pay attention we will be able to fill our personal debt hole and start creating our own little pile of wealth! But how the hell do you do it? The first part of the solution is simple: education. Going out and learning about all the debt restructuring programs available could save you literally tens or hundreds of thousands of dollars in interest repayments and significantly reduce the amount of time you spend living in debt. There are some fantastic organizations out there dedicated to helping you restructure your debt. Most of these organizations also offer great information on how to reduce taxes, manage investment risk, how to invest smartly, and how to plan your wealth, so be sure to take advantage of all of these resources as well. But is education enough? It's the trigger for getting rid of your debt, but to really tackle the debt beast you'll need to increase how much you earn. Income outside the