Too much debt or the wrong kind of debt can keep you from achieving your dreams of financial independence.
Come on, repeat after me. “No more debt”, “No more debt”. If that doesn’t work for you try post-it notes around the house, or maybe sign a contract with yourself that you won’t use debt to fund your lifestyle any longer. There is always the freezing your credit card in a block of ice, or just cut them up. Whatever it takes, just stick to it.