Yes, I am in debt. About 10 years ago, after I left the field of accounting to pursue art and music, my debt grew as my cash flow reduced and became inconsistent.
I have been working as an artist and a piano player primarily for the past 10 years. I worked as an accountant before that time and worked in that field recently for ten months until I lost my job. My choice to return to accounting after being out of that field for 10 years was based on economic survival: to keep our house, to care for my family. I have accumulated debt, using credit, to survive from month to month.
Debt creates worry that is always there. That worry becomes an barrier at times when working as an artist. It can diminsh freedom.