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In this quote, B.C. Forbes is highlighting how being deeply in debt can compromise one’s independence and freedom. He suggests that a person who is “head over heels in debt” is more like a “slave” than truly independent.
Forbes implies that owing large amounts of money to others gives those creditors a form of power and control over the debtor. Therefore, being financially obligated through excessive debt prevents one from enjoying complete autonomy over their own life and decisions. His message conveys that being debt-free or low in debt is important to preserve one’s independence and self-determination.