A subscriber recently wrote to me: A friend of mine is on a fixed income and has maxed out his credit cards (nearing $10,000). He has started a new business, but currently has no customers or prospects. He is affirming that he is already successful and debt-free. What is the best way for him? Should he write checks to pay his bills as they arrive, even though the money may not be in his account at the moment? Wouldn’t these concrete actions demonstrate his faith?My Answer: Faith is a wonderful thing – and very necessary.