1) Income < Expenditure = Debt When Income is less than Expenditure, it creates debt. 2) Income > Expenditure = Savings + Investment When Income is greater than Expenditure, It creates savings and investment. 3) Income = Expenditure When income is equivalent to expenditure, there is no savings, no debt, and no investment. Under which category do you fall in? I currently fall in the 1st category. I have many debts which happened due to several reasons that I don't want to mention here. I am trying a lot to remove those debts but it is taking time. Sometimes I have to take fresh loan to remove existing debts. I know this is not the way to overcome this situation but I am helpless. However, I will not give up. I will keep fighting with this situation. #Finance