Stat: 7 in 10. That’s how many Americans say that debt is a necessity, even though they prefer not to have it.

Story: Ten years after the global financial crisis, we explore Americans’ relationship with debt, and interview Dave Ramsey, the host of his own syndicated radio show, who talks to some 13 million listeners each week about how they can overcome financial setbacks and build wealth. Ramsey shares his thoughts about why so many Americans are in debt today, why they’re not stuck, and the key to breaking the cycle.