Dan looked at his credit card bills that were mounting up. He scratched his head and wiped his face with his hands. It was a daunting task to figure out how to pay for it all. He was out of debt once. He had sold all of his stocks, investments, and personal belongings to pay off everything that he owed. But alas, he was back in debt and he was in a sad state of affairs. He thought to himself that he could pay everything off once again, but it would mean selling everything he had saved up and invested. That would not be a good idea since he would go back to zero. His friend told him that he should get out of debt once and once only by selling everything, but not again. The reason for this is because he would have nothing and it would turn into a cycle of racking up debt then zeroing out, losing everything he had invested. Over and over it would happen and it needs to stop. When he is out of debt, then he can invest and not go back into debt. So Dan would not sell all of his investments and stocks to pay for his debt, he would not do it once again.