What is your number? What is the floating-point number of “chits” you owe someone else?
When you think about what was bought with that number, does it make you happy? Does it fill you with anxiety? How much did that ski trip cost exactly? Was that over-priced latte worth it?
The next time you go to swipe that slice of plastic, consider this: who will you be paying interest to on that purchase, and for how long? How many hours of your life will you have to give up to pay it back?