This fifth graphic in the 7 Smart Money Essentials calls for you to make a distinction between “good debt” and “bad debt,” which is determined by what kind of reward you’ll get from your investment. College education? Despite recent resounding criticism, in general, still a pretty good reason to take on debt. A new flatscreen? Unless you’re flipping it to pay down your student loans, not so good. Find out more in this infographic created with LifeTuner.