<prompt> Translate the following text to EnglishKwa hivyo, kama unaamini katika maisha ya bila madeni, kununua gari bila madeni, kununua nyumba bila madeni, na kama unafanya mkopo wa nyumba katika siku zijazo, basi utalipa mara mbili kwa mwezi, na kwa sababu unaokoa mengi katika riba.  <response>: and we really believe in debt free living and debt free car buying and debt free house buying and if we do take out a loan on a house in the future what well do is pay twice a twice a month on it and because you save a lot in interest just doing that 