"The only mistake is not recognizing that you're incurring debt, and not having a plan or means to deal with it. Unacknowledged debt of any kind compounds and e

"The only mistake is not recognizing that you're incurring debt, and not having a plan or means to deal with it. Unacknowledged debt of any kind compounds and eventually destroys." True story! "I would guess that your pilot example was less about nerves of steel than about someone who had learned to handle (i.e., process) a lot of stress effectively--which is just a way of saying that nerves of steel is more about efficiently incurring and discharging debt than about withstanding cumulative effects." In your view, how does withstanding cumulative effects and efficiently incurring differ?