In my opinion yes. I'll caveat that everyone's situation is different. That said, I think holding debt right now is great. Interest rates are low so a ton of m

In my opinion yes. I'll caveat that everyone's situation is different. That said, I think holding debt right now is great. Interest rates are low so a ton of money has been fleeing the bond market pumping stocks. It's not the companies getting more valuable, just more people entering chasing yield, reducing your earnings per share. I think the current inflation is due to pandemic stimulus and will pass, but holding cash long term is never a good option. I think we will stay in a low interest rate period for a while (2030?), then to get out of it the government will inflate the currency. The justification for this is in the next crisis they won't have room to lower interest rates so they will print money instead. When this inflation occurs, holding debt is great because it gets inflated away. As well, real estate has traditionally kept pace with inflation, so it is a good place to park your money. I personally just dumped a ton of money into real estate with this justification. I wasn't happy with how other investments looked. Obviously it depends where you are in life, if you plan to stay for a while, all that. Location also matters, LA real estate is a bit different from Baltimore. Right now debt is cheap and in the future it will get inflated away so that's what I'm banking on.