I'll give you a question, please answer with step-by-step reasoning process. She often spent money she didn't have buying products, this lead to what?
Options:
- spending money
- owning
- pleasure
- surplus of cash
- debt

Show your work and conclude with the exact phrasing "Therefore, the final answer is [answer]." where [answer] is just the final number or expression that solves the problem.
user
Debt is a financial state of being. Spending more money than one has results in debt.
The answer: debt.