I'm a financial adviser and a medical intern. I can relate and agree to what you said about debt. Being a financial adviser (after receiving some training on financial planning) it opened my eyes on how ignorant I was about the flow of money. And how ignorant most people are until they accumulate debt. It's good to see meaningful posts about financial responsibility because the sooner people are aware and observe the principles behind, the sooner they get away from being debt's bitch.

As a medical intern on training in a hospital that confines several medical cases, I have seen countless times how health issues cause severe financial constraints in the family. People with no health insurance and no emergency funds. It's really sad to see these people take so long to receive deserved health care due to financial set backs (something to do with how my country also takes care of its health systems). But most of the burden comes from poorly managed emergency funds. Congratulations on the curie upvote :D