That is certainly one way of looking at it. The other is to make sure the debt is working for you. NYC, LA, or SF is the same for housing you’re either extremel

That is certainly one way of looking at it. The other is to make sure the debt is working for you. NYC, LA, or SF is the same for housing you’re either extremely rich or your taking out multidecade loan for a home. If you’re working in one of those cities you’re in debt or paying off someone else’s debt.