Adam Nash, the CEO and co-founder of Daffy, a not-for-profit community built around a modern platform for giving, has a unique perspective on personal debt. He believes that debt should not be viewed as inherently good or bad, but rather as a powerful and potentially dangerous financial tool. In his teachings at Stanford and his work with Daffy, Nash emphasizes the importance of using debt sparingly and wisely. He suggests that debt should only be used to subsidize investments that are expected to increase in value over time, such as a home or an education. He warns against the common pitfall of using credit cards to buy things that one cannot afford, effectively borrowing money from the future. Nash's perspective on personal debt is grounded in his extensive experience in the financial sector, including his roles as the Former President and CEO of Wealthfront, Former Vice President of Product & Growth of Dropbox, and his current position on the Board of Directors at Acorns. Daffy, the platform Nash co-founded, is a great option for a Donor Advised Fund (DAF). It simplifies giving by allowing users to donate to almost every US public charity, track tax-deductible contributions, and access donation receipts all in one place. Daffy waives all membership fees for members with less than $100 in their fund, making it an accessible and affordable choice for those looking to manage their personal finances and give back to their communities. In conclusion, Nash's perspective on personal debt is that it is a tool that, when used wisely, can be beneficial. His work with Daffy reflects this perspective, offering a platform that helps individuals manage their finances and make wise investments in their communities.