Which Perspective should I choose for my essay?

Question

Perspective One	Perspective Two	Perspective Three
Individuals should strive to be debt free above all else. The cash only method is the best method through which to manage wealth. Individuals should focus on saving over all else.	Building your credit is more important than being debt free because it is more realistic for more people and allows people to make large purchases in a way that seems feasible. People should begin to build their credit early, even if it means going into debt.	Money exists as a tool to help people get the things that they want. People should be less focused on how they spend it and just use it to buy what they need when they need.

Answer 1

There's a long answer and a short answer. I'll do the long answer first.

This would depend on what your beliefs are.

If we were in a session together, I would start with a conversation. We would talk about the benefits of saving, as well as the benefits of a high credit score. We would talk about the things that might be worth going into debt for now versus later. For example, college loans versus a car loan or a mortgage, or a small business loan versus a college loan. Then we may discuss your own spending habits, if you're comfortable with that. Are you happy with them? Do you want them to change? What do you like about the way you handle money, and what do you dislike?

This conversation isn't about the answers to the questions I'm asking. It's more about getting your brain thinking about money in a more critical way. From there, you may already know the perspective you would like to choose. If you're still not sure, we would compare each perspective to the things we discussed, and pick the one that you are most interested in exploring.

You can do this alone by brainstorming. I would ask yourself these questions and write the answers on a piece of paper. Don't worry too much about answering the questions correctly. Again, the focus of this exercise is to get your brain moving.

The short answer is pick whichever one you can defend.