Debt. The word alone can make palms sweaty and stomachs churn, yet millions of people walk around with it daily—and not all of them are in a rush to get rid of it. Some are perfectly content to make their monthly payments without ever throwing extra cash at the balance. From the outside, that might seem puzzling, even reckless.
But peel back the layers, and the reasons start to look less like financial laziness and more like strategy, psychology, and lifestyle choices colliding.
