I once heard this great story from a comedian who said his career started falling apart when he realized that he was spending so much time managing and producing his act,

that he had less time doing what made his act great to begin with, which was analyzing everyday life and making jokes about it.

I see this so often in business. The more successful you become, the more your time is pulled away from the thing that made you successful to begin with. One of those things that can suck up valuable time is expense management,

and that is why I and 25,000 other businesses use Ramp. Ramp is a corporate card that includes

the best expense tracking and reporting software that I have ever seen, automatically capturing

every transaction the moment your card is swiped.

It saves you time.

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Cards issued by Sutton Bank, member FDIC, terms and conditions play.

I wrote M years ago in a brief moment of trying to write silly things about money that

debt may have ruined more lives than some drugs, but drugs are illegal and debt is tax

deductible.

Kind of crazy when you think about it. And look, I am not a debt zealot. I think debt can be a

wonderful thing and plays a wonderful role in society and can be used responsibly by people and

companies and governments. I'm not anti-debt at all, but like all good things,

it can be taken way too far and very easy to ignore and not understand the dangers and the

downsides of what you're using. And of course, that is the long thousands of years history

with debt. And so today I just want to talk a little bit

about the philosophy of how I think about debt. And the reason I wanted to put this together

is because it is so often among laypeople and financial professionals that when they talk

about debt, they hone in like a laser beam on one statistic, and that is the interest rate.

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