This book offers a revolutionary approach to personal finance by challenging traditional views on debt repayment. Written by Thomas J. Anderson, a former Morgan Stanley executive and bestselling author, it guides readers on how to strategically use different types of debt to build wealth and secure financial freedom. Ideal for individuals at various life stages, it provides practical advice on managing credit card debt, housing decisions, and retirement planning. The tone is professional and insightful, making complex financial concepts accessible and actionable for readers seeking smarter debt management.