I would say that falls under "I have debt." Perhaps better phrased is "I can't afford to bootstrap." At the very least, it limits your options in terms of what

I would say that falls under "I have debt." Perhaps better phrased is "I can't afford to bootstrap." At the very least, it limits your options in terms of what kind of startup path you take. If you can't afford to bootstrap, then your only options are either working around a fulltime gig or trying to raise money out the door (from investors or friends/family or loan).