Debt freedom/债务自由

This book revolves around the realistic and pressing theme of "debt freedom," systematically outlining common misconceptions, behavioral dilemmas, and feasible solutions individuals face when dealing with debt. Starting with financial structure, the author uses fundamental tools such as balance sheets, debt-to-income ratios, and minimum repayment amount calculations to help readers fully understand their own debt situation. It also proposes a "phased debt management" strategy, providing practical advice for three typical debt scenarios: not yet overdue, overdue but not sued, and already in legal proceedings.

本书围绕“债务自由”这一现实且迫切的主题，系统梳理了个人在面对负债问题时的认知误区、行为困境与可行对策。作者从财务结构入手，结合资产负债表、债务收入比、最低还款额测算等基础工具，帮助读者全面掌握自身债务状况；同时提出“债务分阶段管理”策略，针对尚未逾期、已逾期未被起诉、已进入法律程序三类典型债务情形，分别给出实用建议。