[Peter666]

First, consolidate all your present debts at one low interest rate. The best way to do this is to renegotiate your mortgage if possible. It is worth taking penalties to do this too. You must get rid of the usurious interest rate being charged on those credit cards.

This new consolidated debt should then be covered with Universal life insurance that is overfunded. This is an insurance/investment that will make you money in the long run. When there is enough cash value in the Universal life insurance plan, you can take the money out to pay off the remaining consolidated mortgage, or just keep funding it and pay the mortgage separately because this leveraging will produce more money for you.

In a capitalist society, debt is a necessary tool to establish wealth. I don't like it, but it is better than Communism.