In a financial literacy study released by Bankrate.com, Kelly Campbell, founder and president of Campbell Wealth Management, discusses investors’ current comfort level with debt compared to last year. He explains that investors should be aware that volatility is here to stay and a major focus needs to shift onto decreasing debt. “Your confidence can increase in this environment by thinking about things that hurt you in the future,” Campbell explains. “Debt will hurt you in the future if you have any kind of employment or stock market issue.”