Ramit Sethi explains why high-interest credit card debt becomes a permanent drain if you don't fix it now. Carrying it normalizes bad habits and delays everything else you want to build. The longer you wait, the deeper the hole.
Now listen, if you don't deal with your high-interest debt like credit card debt right now, you will drag it into your 30s, 40s, 50s, and it will become normal for you to just live with debt. I don't live with a huge gash on my arm that's leaking blood all day. You should not live with credit card debt. Not only is that setting up bad habits and normalizing being in crippling debt, it actually delays everything else you want to do in your rich life.
