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Debt is like a fire. When it is small and controlled, it can be useful. But ignore it for even a moment and it can quickly become an uncontrollable, destructive force. It stops you from saving. It stops you from building wealth. And it stops you from enjoying life. If that sounds familiar, you are not alone. Many South Africans find themselves trapped in a cycle of borrowing to cover borrowing, watching interest snowball while their financial freedom slips further away. With