True Story.

My son fell into this mindset when young. Just couldn't wait to earn money and get nice vehicles. He's 26 now. He has a house and a car payment. His fiancé has a car payment. He will be completely debt free, including the house, by the end of next year. He will be debt free, with the exception of the house within 6 months from today. Probably closer to 4 months if he doubles down hard.

I couldn't be more proud of him. He's realized debt is indentured service.

Character is not developed in moments of temptation and trial. That is when it is intended to be used.