"I like being that much more liquid" There's "I use debt to buy things I can't afford", there's "I don't use debt to buy things I can't afford", and then there

"I like being that much more liquid" There's "I use debt to buy things I can't afford", there's "I don't use debt to buy things I can't afford", and then there's "Yeah, I could totally drop cash on this but I'm going to take 0% debt just to avoid the liquid drain". If you're in that third category, you're just too far away from the first one to understand it very well. (In self discipline, not income. There's no amount of income itself that keeps you out of that first category!)