You read in Chapter 13 that it is vital to
reduce your credit card balances and other consumer credit before beginning an
investment program. You also need to start an emergency fund in case of
immediate need. Why do financial advisers make such recommendations? Why should
you reduce spending on credit before investing? Why shouldn’t you carry large
consumer debt and invest at the same time? On the surface, these questions may
sound silly but there are sound reasons for asking them. Post your position in
the discussion board in at least 200 words incorporating your rationale with
supportive references.

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