I feel like there’s a middle ground to be had here. You obviously don’t want to be over leveraged, but I don’t think a small amount of debt is inherently bad. I

I feel like there’s a middle ground to be had here. You obviously don’t want to be over leveraged, but I don’t think a small amount of debt is inherently bad. I have a mortgage and some student debt, but they are a modest amount of my household income. You work to pay them off and save up an emergency fund, but the reality is that most Americans would never own a house without a mortgage. At a certain point, debt is essentially inevitable.