Debt does not help you build wealth for retirement, nor does it save you money. Debt is not a tool that can build prosperity. Every day that you’re in debt is a day that you sabotage your retirement.

If you want to be rich when you retire, then do what rich people do. According to Forbes magazine, most rich people agree that the best way to build wealth is to become and stay debt-free. If you haven’t yet begun your Total Money Makeover, start now!

Bank of America, JPMorgan Chase, Citigroup and Wells Fargo cut their commercial and industrial lending by a combined 15 percent from April to October, representing $100 billion, according to the most recent Treasury Department data. Loans to small businesses are down $7 billion, or four percent.

Yet another reason to Move Your Money. I want to support local businesses and the growth of my city by banking local.

Humans are excellent two-legged walkers. It’s one of the things that make us such successful creatures.

And there are some scientists who say we’re naturally born runners as well, that our bodies evolved to run. Now, anthropologist Dan Lieberman, one of the proponents of the “human runner” school, concludes that we do it better without shoes.

Also, there’s the distraction factor. When you read a book, you just don’t want to have e-mail, Twitter and the ESPN Web site beckoning from the browser. The absence of those services on the Kindle — sure, it’s also a flaw — actually make it better for focused leisure reading.

This is what I was saying earlier. Totally agree.