[elmerfud]

I'm not sure I agree with step one in an absolute sense like they put it. In general sense yes it's a very good idea, but if you have an interest rate that's less than inflation and other ways to make money that is more than inflation often times it's better to keep the debt. This kind of thing is usually only available to those who've acquired some sort of financial security. If you can do this this allows you to borrow money and then a repay less money in the future.