Questions like “what is more important?” and “what is needed?” they are commonly requested to help focus attention on where the money will be spent. Having enough money for bills, food, doctor's visits, fuel for vehicles, insurance and many other things becomes a big struggle. Top priorities need to be managed accordingly so that there is enough money to pay for what is most important. Having a limited budget also makes it difficult to save money. For example, if a student were to take out a $15,000 loan and then drop out and work for minimum wage, it would take more than two years to repay the loan. Acquiring a large sum of debt is never a good thing. It causes high levels of stress and fatigue. It also creates a low credit score. You need a good credit score to purchase a home, car, and other high-ticket items. Debt can accumulate over time, eventually resulting in a financial vortex