I would go back to the time when I got my first computer and write myself a long message from the future. It would contain things like:
- Make several backups of this list and review it every year.
- Watch out. Some people are really toxic. (list of people to avoid)
- Know yourself, and act accordingly. (list of traits I have, but haven’t realized or fully understood at the time)
- Be careful. (list of minor accidents that could potentially happen in the future)
- Be mindful of important decisions. (List of some big decisions that turned out to be good, bad, great, awful etc.)
- You can do it 👍 (encouraging words)
All debt? Does that include companies too?
They’ve borrowed at least billions to grow their businesses, and that sort of money won’t just disappear without a trace. In this case, the trace would probably include economic instability of some sort. There’s a reason why central banks use interest rate to influence borrowing and inflation.