It is a potentially misleading to think of it as a goal in terms of raw calculations. If we parallelize it to debt should it be your goal to have 0 debt and wh

It is a potentially misleading to think of it as a goal in terms of raw calculations. If we parallelize it to debt should it be your goal to have 0 debt and why? Shouldn't you first consider what is the interest rate of that debt and what do you gain by having this debt as opposed to not having it? If debt has 0% interest, and you don't have limit on debt, why not just keep taking debt? What if debt has negative interest? The goal should be to determine what is the optimal approach after considering all those factors and then take those approaches. Some people have principles that they don't want to owe anything to anyone, but this will make them take suboptimal decisions. They assign this emotional value to something that is actually an arbitrary concept.