"You must take risks, both with your own money or with borrowed money. Risk taking is essential to business growth."

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Avoid debt that doesn’t pay you. Make it a rule that you never use debt that won’t make you money. I borrowed money for a car only because I knew it could increase my income. Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer.

— Grant Cardone