Questions such as “what is most important?” » and “what is needed?” are usually asked to help determine where the money will be spent. Having enough money to pay bills, food, doctor visits, fuel for vehicles, insurance and many other things becomes a major struggle. Top priorities need to be managed accordingly so that there is enough money to fund what is most important. Having a strict budget also makes it difficult to save money. For example, if a student took out a $15,000 loan then dropped out and worked for minimum wage, it would take more than two years to repay the loan. Acquiring a large amount of debt is never a good thing. This causes high levels of stress and fatigue. It also creates a low credit score. A good credit score is necessary to purchase a home, car, and other big-ticket items. Debt can build up over time, ultimately leading to a whirlwind of financial hardship.