If you are in debt, that means you didn't take advantage of the investment opportunities during dotcom crash, SARS and the recent global financial crisis. Even though you earn more, you lose out to those who earn less but are savvy to save up and took advantage to buy low and sell high.

You only made the banks and bankers rich. Sadly, there will be more people like you. Banks get richer, so do bank shareholders (savvy investors), while debtors like the former you get poorer.

Fortunately you finally see the light. Good luck and all the best. Hope to hear your success story one day.