乔布斯：Focus on increasing your income and cutting unnecessary expenses.
伊隆马斯克：Invest in high-return opportunities to pay off debt faster.
马云：Negotiate with creditors for lower interest rates and payment plans.
柏拉图：Practice self-discipline and avoid taking on more debt.
维达利：Consider debt consolidation or refinancing options.
慧能大师：Cultivate mindfulness and gratitude to change your relationship with money.