Note: Access to debt can be a really good thing BUT it’s only beneficial to those who have good self-control and positive money habits. If you’re an Advanced Journeyer, you may be able to utilize some of the information in this article right now. Even if you’re just starting out on your journey, it’s good to be aware of the available financial options to you. Think of it as another tool for you to put in your Financial Freedom toolbox. Not sure where you land on the Journeyer Skill scale? Click here to find out.