Financial Planning: Good Debt and Bad Debt

10 months ago

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.

Necessary

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Cookie	Duration	Description
cookielawinfo-checbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.wp-block-pdfemb-pdf-embedder-viewer{max-width:none;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}.gb-container .wp-block-image img{vertical-align:middle;}.gb-grid-wrapper .wp-block-image{margin-bottom:0;}.gb-highlight{background:none;}.inline-image-with-max-width{max-width:50%;}.page-id-3451 a:not(vc_col-sm-8 a),.page-id-3451 li:not(vc_col-sm-8 li){font-size:17px;}.page-id-3451 p:not(vc_col-sm-8 p){font-size:23px;}.page-id-3451 h1:not(vc_col-sm-8 h1){font-size:60px;}.page-id-3451 h2:not(vc_col-sm-8 h2){font-size:50px;}.page-id-3451 .ush_menu_1{display:none;}.newBut{background-color:#1d294d !important;color:white !important;line-height:1.15 !important;font-weight:600;font-style:normal;text-transform:none;letter-spacing:-.01em;border-radius:4em;padding:.5em 1.8em;border-color:#fff;text-decoration:none !important;display:inline-block;text-align:center;}.displaynone{display:none !important;}.h-centered-content .trn-form .nf-form-content{margin-left:auto;margin-right:auto;}.us-btn-style_1{background-color:#849d37;border-radius:10px;}.footer-cta-button{background-color:#849d37 !important;border:2px solid #fff !important;}.page-id-1694 main#page-content,.page-id-1704 main#page-content,.page-id-2913 main#page-content,.page-id-3564 main#page-content,.page-id-2911 main#page-content{padding-top:50px !important;}.page-id-1694 .l-header.sticky_auto_hide.down,.page-id-1704 .l-header.sticky_auto_hide.down,.page-id-2913 .l-header.sticky_auto_hide.down,.page-id-3564 .l-header.sticky_auto_hide.down,.page-id-2911 .l-header.sticky_auto_hide.down,.page-id-3551 .l-header.sticky_auto_hide.down,.page-id-6457 .l-header.sticky_auto_hide.down{transform:translateY(0%) !important;}.page-id-1694 .w-vwrapper.valign_bottom,.page-id-1704 .w-vwrapper.valign_bottom,.page-id-2913 .w-vwrapper.valign_bottom,.page-id-3564 .w-vwrapper.valign_bottom,.page-id-2911 .w-vwrapper.valign_bottom,.page-id-3551 .w-vwrapper.valign_bottom,.page-id-6457 .w-vwrapper.valign_bottom{justify-content:center !important;}@media screen and (max-width: 425px){.page-id-1694 .button.w-btn.us-btn-style_1,.page-id-1704 .button.w-btn.us-btn-style_1,.page-id-2913 .button.w-btn.us-btn-style_1,.page-id-3564 .button.w-btn.us-btn-style_1,.page-id-2911 .button.w-btn.us-btn-style_1,.page-id-3551 .button.w-btn.us-btn-style_1,.page-id-6457 .button.w-btn.us-btn-style_1{padding:5px 10px !important;}}.page-id-1694 #page-header .l-subheader.at_middle,.page-id-1704 #page-header .l-subheader.at_middle,.page-id-2913 #page-header .l-subheader.at_middle,.page-id-3564 #page-header .l-subheader.at_middle,.page-id-2911 #page-header .l-subheader.at_middle,.page-id-3551 #page-header .l-subheader.at_middle,.page-id-6457 #page-header .l-subheader.at_middle{line-height:105px !important;height:105px !important;}.page-id-1694 .trn-header-logo-nav,.page-id-1704 .trn-header-logo-nav,.page-id-2913 .trn-header-logo-nav,.page-id-3564 .trn-header-logo-nav,.page-id-2911 .trn-header-logo-nav,.page-id-3551 .trn-header-logo-nav{height:auto !important;}.tranel-video-div .tranel-video-p{width:calc(50% - 25px);float:right;margin-bottom:0;margin-left:25px;}@media screen and (max-width: 768px){.tranel-video-div .tranel-video-p{width:100%;margin-left:0;margin-bottom:25px;}}.tranel-video-p iframe{height:252px;}@media screen and (max-width: 768px){.tranel-video-p iframe{height:300px;}}@media screen and (max-width: 425px){.tranel-video-p iframe{height:250px;}}.tranel-video-div h2{padding:0;}.page-id-794 #page-content section:nth-child(2){padding-bottom:50px !important;}@media screen and (max-width: 425px){.page-id-794 #page-content section:nth-child(2){padding-bottom:25px !important;}}.make-float-right-e{float:right;margin-left:20px;margin-bottom:1.5rem;width:50%;}@media screen and (max-width: 768px){.make-float-right-e{float:left;margin-right:0px;margin-bottom:1.5rem;width:100%;}}.make-float-left-e{float:left;margin-right:20px;margin-bottom:1.5rem;width:50%;}@media screen and (max-width: 768px){.make-float-left-e{float:left;margin-right:0px;margin-bottom:1.5rem;width:100%;}}.green-button-e{text-decoration:none !important;}.green-button-e:hover{text-decoration:underline !important;}.h2-title-blog{font-size:30px;margin-bottom:1.5rem;}h3.title-blog{font-size:25px;margin-bottom:1.5rem;}.no-margin-bottom-e{margin-bottom:0;}.no-margin-bottom-p{margin-bottom:0;}.no-margin-bottom-ul{}.add-margin-top-e{margin-top:1.75rem;}@media (min-width: 768px){.postid-3975 img.alignright,.postid-3975 img.alignleft{max-width:50%;}}.w-grid-list .post-5358 img{object-position:100%;}.w-grid-list .post-5379 img{object-position:100%;}.youtube-video-class iframe{width:640px;height:360px;}.page-template-page-landing-template #trn-header-phone{border-radius:10px;}.page-id-5862 #trn-header-phone,.page-id-5962 #trn-header-tag{background:none;font-weight:300;}body.home .wpb_wrapper p a:not(.w-btn):hover{text-decoration:none;}h2.margin-bottom-10px{margin-top:40px;padding-top:0;font-size:25px;margin-bottom:20px;}.margin-bottom-10px{margin-bottom:10px;}.subslogan-1{margin-top:-10px;font-weight:400;z-index:99999;position:relative;}.margin-bottom-type-2{margin-bottom:60px;}.iframe-container{position:relative;width:560px;height:315px;}.iframe-container iframe{width:100%;height:100%;}.iframe-overlay{position:absolute;top:0;left:0;width:100%;height:100%;}.fas{font-family:"fontawesome";font-weight:900;}.far{font-family:"fontawesome";font-weight:400;}.fal{font-family:"fontawesome";font-weight:300;}.fab{font-family:"Font Awesome 5 Brands";font-weight:400;}.l-subheader.at_top,.l-subheader.at_top .w-dropdown-list,.l-subheader.at_top .type_mobile .w-nav-list.level_1{background:#fff;color:var(--color-header-middle-text);}.no-touch .l-subheader.at_top a:hover,.no-touch .l-header.bg_transparent .l-subheader.at_top .w-dropdown.opened a:hover{color:var(--color-header-middle-text-hover);}.l-header.bg_transparent:not(.sticky) .l-subheader.at_top{background:var(--color-header-top-transparent-bg);color:var(--color-header-top-transparent-text);}.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-cart-link:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-text a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-html a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-nav>a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-menu a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-search>a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .w-dropdown a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_top .type_desktop .menu-item.level_1:hover>a{color:var(--color-header-top-transparent-text-hover);}.l-subheader.at_middle,.l-subheader.at_middle .w-dropdown-list,.l-subheader.at_middle .type_mobile .w-nav-list.level_1{background:#fff;color:var(--color-header-middle-text);}.no-touch .l-subheader.at_middle a:hover,.no-touch .l-header.bg_transparent .l-subheader.at_middle .w-dropdown.opened a:hover{color:var(--color-header-middle-text-hover);}.l-header.bg_transparent:not(.sticky) .l-subheader.at_middle{background:var(--color-header-transparent-bg);color:var(--color-header-transparent-text);}.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-cart-link:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-text a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-html a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-nav>a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-menu a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-search>a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .w-dropdown a:hover,.no-touch .l-header.bg_transparent:not(.sticky) .at_middle .type_desktop .menu-item.level_1:hover>a{color:var(--color-header-transparent-text-hover);}.header_ver .l-header{background:#fff;color:var(--color-header-middle-text);}@media (min-width:1101px){.hidden_for_default{display:none !important;}.l-subheader.at_bottom{display:none;}.l-header{position:relative;z-index:111;width:100%;}.l-subheader{margin:0 auto;}.l-subheader.width_full{padding-left:1.5rem;padding-right:1.5rem;}.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit;}.w-header-show{display:none;}.l-header.pos_fixed{position:fixed;left:0;}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86);}.headerinpos_bottom.sticky_first_section .l-header.pos_fixed{position:fixed !important;}.header_hor .l-header.sticky_auto_hide{transition:transform .3s cubic-bezier(.78,.13,.15,.86) .1s;}.header_hor .l-header.sticky_auto_hide.down{transform:translateY(-110%);}.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none !important;background:none;}.l-header.bg_transparent~.l-main .l-section.width_full.height_auto:first-of-type>.l-section-h{padding-top:0 !important;padding-bottom:0 !important;}.l-header.pos_static.bg_transparent{position:absolute;left:0;}.l-subheader.width_full .l-subheader-h{max-width:none !important;}.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,.08);}.l-header.shadow_wide .l-subheader.at_middle,.l-header.shadow_wide .l-subheader.at_bottom{box-shadow:0 3px 5px -1px rgba(0,0,0,.1),0 2px 1px -1px rgba(0,0,0,.05);}.header_hor .l-subheader-cell>.w-cart{margin-left:0;margin-right:0;}:root{--header-height:145px;--header-sticky-height:105px;}.l-header:before{content:"145";}.l-header.sticky:before{content:"105";}.l-subheader.at_top{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_top{line-height:0px;height:0px;overflow:hidden;}.l-subheader.at_middle{line-height:95px;height:95px;}.l-header.sticky .l-subheader.at_middle{line-height:105px;height:105px;}.l-subheader.at_bottom{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_bottom{line-height:50px;height:50px;}.headerinpos_above .l-header.pos_fixed{overflow:hidden;transition:transform .3s;transform:translate3d(0,-100%,0);}.headerinpos_above .l-header.pos_fixed.sticky{overflow:visible;transform:none;}.headerinpos_above .l-header.pos_fixed~.l-section>.l-section-h,.headerinpos_above .l-header.pos_fixed~.l-main .l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_below .l-header.pos_fixed:not(.sticky){position:absolute;top:100%;}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:100vh;}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:nth-of-type(2)>.l-section-h{padding-top:var(--header-height);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky){position:absolute;top:100vh;}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-bottom:var(--header-height);}.headerinpos_bottom .l-header.pos_fixed.bg_transparent~.l-main .l-section.valign_center:not(.height_auto):first-of-type>.l-section-h{top:calc(var(--header-height) / 2);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-cart-dropdown,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_2{bottom:100%;transform-origin:0 100%;}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_mobile.m_layout_dropdown .w-nav-list.level_1{top:auto;bottom:100%;box-shadow:var(--box-shadow-up);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_3,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_4{top:auto;bottom:0;transform-origin:0 100%;}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-dropdown-list{top:auto;bottom:-.4em;padding-top:.4em;padding-bottom:2.4em;}.admin-bar .l-header.pos_static.bg_solid~.l-main .l-section.full_height:first-of-type{min-height:calc(100vh - var(--header-height) - 32px);}.admin-bar .l-header.pos_fixed:not(.sticky_auto_hide)~.l-main .l-section.full_height:not(:first-of-type){min-height:calc(100vh - var(--header-sticky-height) - 32px);}.admin-bar.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:calc(100vh - 32px);}}@media (min-width:1101px) and (max-width:1100px){.hidden_for_laptops{display:none !important;}.l-subheader.at_bottom{display:none;}.l-header{position:relative;z-index:111;width:100%;}.l-subheader{margin:0 auto;}.l-subheader.width_full{padding-left:1.5rem;padding-right:1.5rem;}.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit;}.w-header-show{display:none;}.l-header.pos_fixed{position:fixed;left:0;}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86);}.headerinpos_bottom.sticky_first_section .l-header.pos_fixed{position:fixed !important;}.header_hor .l-header.sticky_auto_hide{transition:transform .3s cubic-bezier(.78,.13,.15,.86) .1s;}.header_hor .l-header.sticky_auto_hide.down{transform:translateY(-110%);}.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none !important;background:none;}.l-header.bg_transparent~.l-main .l-section.width_full.height_auto:first-of-type>.l-section-h{padding-top:0 !important;padding-bottom:0 !important;}.l-header.pos_static.bg_transparent{position:absolute;left:0;}.l-subheader.width_full .l-subheader-h{max-width:none !important;}.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,.08);}.l-header.shadow_wide .l-subheader.at_middle,.l-header.shadow_wide .l-subheader.at_bottom{box-shadow:0 3px 5px -1px rgba(0,0,0,.1),0 2px 1px -1px rgba(0,0,0,.05);}.header_hor .l-subheader-cell>.w-cart{margin-left:0;margin-right:0;}:root{--header-height:145px;--header-sticky-height:105px;}.l-header:before{content:"145";}.l-header.sticky:before{content:"105";}.l-subheader.at_top{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_top{line-height:0px;height:0px;overflow:hidden;}.l-subheader.at_middle{line-height:95px;height:95px;}.l-header.sticky .l-subheader.at_middle{line-height:105px;height:105px;}.l-subheader.at_bottom{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_bottom{line-height:50px;height:50px;}.headerinpos_above .l-header.pos_fixed{overflow:hidden;transition:transform .3s;transform:translate3d(0,-100%,0);}.headerinpos_above .l-header.pos_fixed.sticky{overflow:visible;transform:none;}.headerinpos_above .l-header.pos_fixed~.l-section>.l-section-h,.headerinpos_above .l-header.pos_fixed~.l-main .l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_below .l-header.pos_fixed:not(.sticky){position:absolute;top:100%;}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:100vh;}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:nth-of-type(2)>.l-section-h{padding-top:var(--header-height);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky){position:absolute;top:100vh;}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0 !important;}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-bottom:var(--header-height);}.headerinpos_bottom .l-header.pos_fixed.bg_transparent~.l-main .l-section.valign_center:not(.height_auto):first-of-type>.l-section-h{top:calc(var(--header-height) / 2);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-cart-dropdown,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_2{bottom:100%;transform-origin:0 100%;}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_mobile.m_layout_dropdown .w-nav-list.level_1{top:auto;bottom:100%;box-shadow:var(--box-shadow-up);}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_3,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_4{top:auto;bottom:0;transform-origin:0 100%;}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-dropdown-list{top:auto;bottom:-.4em;padding-top:.4em;padding-bottom:2.4em;}.admin-bar .l-header.pos_static.bg_solid~.l-main .l-section.full_height:first-of-type{min-height:calc(100vh - var(--header-height) - 32px);}.admin-bar .l-header.pos_fixed:not(.sticky_auto_hide)~.l-main .l-section.full_height:not(:first-of-type){min-height:calc(100vh - var(--header-sticky-height) - 32px);}.admin-bar.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:calc(100vh - 32px);}}@media (min-width:902px) and (max-width:1100px){.hidden_for_tablets{display:none !important;}.l-subheader.at_bottom{display:none;}.l-header{position:relative;z-index:111;width:100%;}.l-subheader{margin:0 auto;}.l-subheader.width_full{padding-left:1.5rem;padding-right:1.5rem;}.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit;}.w-header-show{display:none;}.l-header.pos_fixed{position:fixed;left:0;}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86);}.headerinpos_bottom.sticky_first_section .l-header.pos_fixed{position:fixed !important;}.header_hor .l-header.sticky_auto_hide{transition:transform .3s cubic-bezier(.78,.13,.15,.86) .1s;}.header_hor .l-header.sticky_auto_hide.down{transform:translateY(-110%);}.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none !important;background:none;}.l-header.bg_transparent~.l-main .l-section.width_full.height_auto:first-of-type>.l-section-h{padding-top:0 !important;padding-bottom:0 !important;}.l-header.pos_static.bg_transparent{position:absolute;left:0;}.l-subheader.width_full .l-subheader-h{max-width:none !important;}.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,.08);}.l-header.shadow_wide .l-subheader.at_middle,.l-header.shadow_wide .l-subheader.at_bottom{box-shadow:0 3px 5px -1px rgba(0,0,0,.1),0 2px 1px -1px rgba(0,0,0,.05);}.header_hor .l-subheader-cell>.w-cart{margin-left:0;margin-right:0;}:root{--header-height:145px;--header-sticky-height:105px;}.l-header:before{content:"145";}.l-header.sticky:before{content:"105";}.l-subheader.at_top{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_top{line-height:0px;height:0px;overflow:hidden;}.l-subheader.at_middle{line-height:95px;height:95px;}.l-header.sticky .l-subheader.at_middle{line-height:105px;height:105px;}.l-subheader.at_bottom{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_bottom{line-height:50px;height:50px;}}@media (max-width:901px){.hidden_for_mobiles{display:none !important;}.l-subheader.at_top{display:none;}.l-subheader.at_bottom{display:none;}.l-header{position:relative;z-index:111;width:100%;}.l-subheader{margin:0 auto;}.l-subheader.width_full{padding-left:1.5rem;padding-right:1.5rem;}.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit;}.w-header-show{display:none;}.l-header.pos_fixed{position:fixed;left:0;}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86);}.headerinpos_bottom.sticky_first_section .l-header.pos_fixed{position:fixed !important;}.header_hor .l-header.sticky_auto_hide{transition:transform .3s cubic-bezier(.78,.13,.15,.86) .1s;}.header_hor .l-header.sticky_auto_hide.down{transform:translateY(-110%);}.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none !important;background:none;}.l-header.bg_transparent~.l-main .l-section.width_full.height_auto:first-of-type>.l-section-h{padding-top:0 !important;padding-bottom:0 !important;}.l-header.pos_static.bg_transparent{position:absolute;left:0;}.l-subheader.width_full .l-subheader-h{max-width:none !important;}.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,.08);}.l-header.shadow_wide .l-subheader.at_middle,.l-header.shadow_wide .l-subheader.at_bottom{box-shadow:0 3px 5px -1px rgba(0,0,0,.1),0 2px 1px -1px rgba(0,0,0,.05);}.header_hor .l-subheader-cell>.w-cart{margin-left:0;margin-right:0;}:root{--header-height:75px;--header-sticky-height:75px;}.l-header:before{content:"75";}.l-header.sticky:before{content:"75";}.l-subheader.at_top{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_top{line-height:0px;height:0px;overflow:hidden;}.l-subheader.at_middle{line-height:75px;height:75px;}.l-header.sticky .l-subheader.at_middle{line-height:75px;height:75px;}.l-subheader.at_bottom{line-height:50px;height:50px;}.l-header.sticky .l-subheader.at_bottom{line-height:50px;height:50px;}}@media (min-width:1101px){.ush_image_1{height:75px !important;}.l-header.sticky .ush_image_1{height:75px !important;}}@media (min-width:1101px) and (max-width:1100px){.ush_image_1{height:30px !important;}.l-header.sticky .ush_image_1{height:30px !important;}}@media (min-width:902px) and (max-width:1100px){.ush_image_1{height:75px !important;}.l-header.sticky .ush_image_1{height:75px !important;}}@media (max-width:901px){.ush_image_1{height:50px !important;}.l-header.sticky .ush_image_1{height:50px !important;}}@media (min-width:1101px){.ush_image_2{height:40px !important;}.l-header.sticky .ush_image_2{height:40px !important;}}@media (min-width:1101px) and (max-width:1100px){.ush_image_2{height:30px !important;}.l-header.sticky .ush_image_2{height:30px !important;}}@media (min-width:902px) and (max-width:1100px){.ush_image_2{height:40px !important;}.l-header.sticky .ush_image_2{height:40px !important;}}@media (max-width:901px){.ush_image_2{height:40px !important;}.l-header.sticky .ush_image_2{height:40px !important;}}.header_hor .ush_menu_1.type_desktop .menu-item.level_1>a:not(.w-btn){padding-left:10px;padding-right:10px;}.header_hor .ush_menu_1.type_desktop .menu-item.level_1>a.w-btn{margin-left:10px;margin-right:10px;}.header_hor .ush_menu_1.type_desktop.align-edges>.w-nav-list.level_1{margin-left:-10px;margin-right:-10px;}.header_ver .ush_menu_1.type_desktop .menu-item.level_1>a:not(.w-btn){padding-top:10px;padding-bottom:10px;}.header_ver .ush_menu_1.type_desktop .menu-item.level_1>a.w-btn{margin-top:10px;margin-bottom:10px;}.ush_menu_1.type_desktop .menu-item:not(.level_1){font-size:16px;}.ush_menu_1.type_mobile .w-nav-anchor.level_1,.ush_menu_1.type_mobile .w-nav-anchor.level_1 + .w-nav-arrow{font-size:1.1rem;}.ush_menu_1.type_mobile .w-nav-anchor:not(.level_1),.ush_menu_1.type_mobile .w-nav-anchor:not(.level_1) + .w-nav-arrow{font-size:.9rem;}@media (min-width:1101px){.ush_menu_1 .w-nav-icon{font-size:24px;}}@media (min-width:1101px) and (max-width:1100px){.ush_menu_1 .w-nav-icon{font-size:32px;}}@media (min-width:902px) and (max-width:1100px){.ush_menu_1 .w-nav-icon{font-size:24px;}}@media (max-width:901px){.ush_menu_1 .w-nav-icon{font-size:24px;}}.ush_menu_1 .w-nav-icon>div{border-width:3px;}@media screen and (max-width:1099px){.w-nav.ush_menu_1>.w-nav-list.level_1{display:none;}.ush_menu_1 .w-nav-control{display:block;}}.ush_menu_1 .w-nav-item.level_1>a:not(.w-btn):focus,.no-touch .ush_menu_1 .w-nav-item.level_1.opened>a:not(.w-btn),.no-touch .ush_menu_1 .w-nav-item.level_1:hover>a:not(.w-btn){background:transparent;color:var(--color-header-middle-text-hover);}.ush_menu_1 .w-nav-item.level_1.current-menu-item>a:not(.w-btn),.ush_menu_1 .w-nav-item.level_1.current-menu-ancestor>a:not(.w-btn),.ush_menu_1 .w-nav-item.level_1.current-page-ancestor>a:not(.w-btn){background:transparent;color:var(--color-header-middle-text-hover);}.l-header.bg_transparent:not(.sticky) .ush_menu_1.type_desktop .w-nav-item.level_1.current-menu-item>a:not(.w-btn),.l-header.bg_transparent:not(.sticky) .ush_menu_1.type_desktop .w-nav-item.level_1.current-menu-ancestor>a:not(.w-btn),.l-header.bg_transparent:not(.sticky) .ush_menu_1.type_desktop .w-nav-item.level_1.current-page-ancestor>a:not(.w-btn){background:transparent;color:var(--color-header-transparent-text-hover);}.ush_menu_1 .w-nav-list:not(.level_1){background:var(--color-content-primary);color:#ccc;}.no-touch .ush_menu_1 .w-nav-item:not(.level_1)>a:focus,.no-touch .ush_menu_1 .w-nav-item:not(.level_1):hover>a{color:#fff;}.ush_menu_1 .w-nav-item:not(.level_1).current-menu-item>a,.ush_menu_1 .w-nav-item:not(.level_1).current-menu-ancestor>a,.ush_menu_1 .w-nav-item:not(.level_1).current-page-ancestor>a{background:transparent;color:var(--color-footer-link-hover);}.ush_search_1 .w-search-form{background:var(--color-content-bg);color:var(--color-content-text);}@media (min-width:1101px){.ush_search_1.layout_simple{max-width:240px;}.ush_search_1.layout_modern.active{width:240px;}.ush_search_1{font-size:20px;}}@media (min-width:1101px) and (max-width:1100px){.ush_search_1.layout_simple{max-width:250px;}.ush_search_1.layout_modern.active{width:250px;}.ush_search_1{font-size:24px;}}@media (min-width:902px) and (max-width:1100px){.ush_search_1.layout_simple{max-width:200px;}.ush_search_1.layout_modern.active{width:200px;}.ush_search_1{font-size:20px;}}@media (max-width:901px){.ush_search_1{font-size:20px;}}.ush_vwrapper_1{height:50px !important;}.ush_hwrapper_1{height:27px !important;}.us_custom_41843a68{max-width:900px !important;margin-left:auto !important;margin-right:auto !important;}.us_custom_af6a9b6a{margin-top:40px !important;}.us_custom_30d5ef6b{font-size:20px !important;margin-top:15px !important;}.us_custom_57080d34{font-weight:400 !important;margin-top:40px !important;}.us_custom_cf362e21{margin-top:60px !important;}.us_custom_36d600a2{margin-top:60px !important;padding-top:40px !important;padding-bottom:20px !important;background:#f8f8f8 !important;}.us_custom_bc431e2b{max-width:200px !important;}.us_custom_b48b2d62{padding-top:20px !important;padding-bottom:20px !important;}.us_custom_735b77a3{max-width:850px !important;}.us_custom_785e50b2{font-size:30px !important;}.us_custom_0b5899d1{width:140px !important;min-width:140px !important;margin-left:20px !important;margin-top:20px !important;}@media (min-width:601px) and (max-width:1024px){.us_custom_0b5899d1{margin-left:0 !important;margin-top:20px !important;}}@media (max-width:600px){.us_custom_0b5899d1{margin-left:0 !important;margin-top:20px !important;}}

Financial Planning: Good Debt and Bad Debt

Let us guide you through the lifelong process of financial success.