IT is with great pleasure that I return to this esteemed section of The Manila Times after a two-year hiatus. This marks my fourth piece since December 2021, where I have explored various topics, ranging from stepping out of one's comfort zone to building a business from inception to community contribution. In February 2022, the focus shifted to educating readers on the importance of building a credit score. Today, I bring forth a topic that resonates with us all — the transformative power of borrowing.