Comment by avmich

> List your debts. Create a concrete plan to eliminate them, starting with the smallest. Avoid taking on any new debt this month.

This could be surprisingly hard. You can't get income at some point, and you still have obligations, e.g. a family. You have some things which are hard to reduce (e.g. monthly telecom payments) or have significant upfront costs (you can move far enough to reduce rental costs, but the move will only beneficial after months). It's so much easier to take some debt, at least initially. The author doesn't give good advises for how to avoid getting into debt.