It's Valentine's Day week and time for cheesy romcoms or, really, any movie with Tom Cruise in it. Also happening in my life is that I just returned home after speaking at the White Coat Investor conference in Phoenix, Ariz. The conference opened and continued with a surprising theme debt. It seems like the world of personal finance has been co-opted recently by crypto and real estate syndicates, but this "back to basics" debt topic was a welcome reminder of the financial and psychological implications that we must constantly evaluate when it comes to debt.