Well it’s tax time again, and it always seems as we near the dreaded April 15th deadline, the weather suddenly turns perfect, and fooling with taxes is the last thing you or I want to worry about.

Be honest, just by the title, I’ve already alienated half my audience. Particularly in this part of the country, where conservative values and Dave Ramsey reign supreme; a “pro” personal debt article is going to cause some controversy. But before you reach for the pitch forks and lobby to have my CFP® revoked; just hear me out.

Unquestionably there is an excitement that emanates from the world of stock picking, where fortunes are won and lost on trading floor arenas, and stock sleuths frantically search for the next Apple or Google.