"Feelings become strained, quarrels more frequent and
nerves frayed when excess debt knocks on the door. Resources channeled to make
payment on debts do not put one crumb on the table, provide one degree of
warmth in the house, or bring one thread into a garment. Many more people could
ride out the storm-tossed waves in their economic lives if they had their
year's supply of food and clothing and were debt-free. Today we find that many
have followed this counsel in reverse: they have at least a year's supply of
debt and are food-free." -
President Thomas S. Monson
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