Does my debt mean I have received more than I have given?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David!

I know that you teach that money is energy. It occurred to me that debt may be a reflection of having received more than one has given. Is that accurate? If so, what is the best way to reverse this equation? It seems obvious to say ‘give more' – but give what? I don’t have extra financial resources. Thanks.

Neagle Code Answer

This is an excellent question!

Many people have issues with debt and the stigma and shame that come along with it.

To address your first question, debt is not a reflection of having received more than one has given.

Debt is essentially a tool and should be used as such. Most people think that debt is “bad”, but imagine what your life would be like without it.

How would you purchase a house or invest in education or experiences for yourself without it?

Instead of thinking of it negatively, be grateful for it.

All that being said, if you’re accumulating debt from a dysfunctional place, it’s very important that you address the underlying reason for your spending habits.

Are you buying things to fill a need (love, security or self esteem) or are you investing in your growth?

The second part of your question deals with something different…

You alluded that it’s tough to give if you’re in debt.

When you give it doesn’t have to be financially. Doing a favor for a neighbor, giving of your time or your talents, and volunteering are just a few ways to “give” until you have the resources to give financially.


PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: to participate.


  1. David, I’m so glad to hear you suggest being grateful for debt. It turns around my more typical perception of being ashamed of it
    I value your comments each week. They’re different than most and quite insightful. Thanks.
    Judi Lansky

    • There is no need to place shame on anything Judith, especially debt. You plan to make good on it and will, so being ashamed is some voice other than your own. Drill down to see who that is and there will lie the breakthrough. Thank you for your continued readership and appreciate the post.