Also, I'm not sure debt should be reserved for emergencies. Sebt is much better for growth related activities. What can I do now with money that I know will inc

Also, I'm not sure debt should be reserved for emergencies. Sebt is much better for growth related activities. What can I do now with money that I know will increase in value over the interest? You're essentially buying the future. Insurance or collective money pools are much better for emergency issues if they are not incentivized to profit off of its members.