As we shift into second gear while on the road to financial freedom, we find many practical steps we can take to begin our journey out of debt. First, we must know what Scripture says about debt: it is discouraged, it is slavery, and we have a responsibility to repay what we owe (Rom 13:8; Prov 22:7; Prov 3:27-28). Second, we must know how to reduce our debt: keep the car long enough to pay off the loan; prepay a little each month on your mortgage; borrow for investments only when the investment is the sole collateral for the debt; and carefully consider the stability and edge that accompany operating a business debt free. Finally, we must learn 11 ways on how to get out of debt: (1) pray for strength, (2) start giving regularly, (3) do not accumulate more debt, (4) establish a budget that allows for debt repayment (5) set up an emergency account of at least $1000, (6) list your assets – determine if you should sell some items, (7) list your liabilities, (8) establish a repayment schedule, (9) consider earning additional income, (10) consider changes in your lifestyle, (11) don’t give up! With the Holy Spirit’s leading, we can be confident as we cruise to the next mile marker on the “Road to Financial Freedom.”