Generate a full detail guide explaining the concept of 'good debt' versus 'bad debt.' The guide must be educational and clear. It should include: 1. A detailed definition of 'good debt,' with examples like a sensible mortgage or a student loan for a high-earning degree, explaining how it can build wealth. 2. A detailed definition of 'bad debt,' focusing on high-interest, depreciating consumer debt like credit cards and car loans. 3. A framework to help readers evaluate any new debt they consider taking on. Please include a disclaimer that all debt carries risk.