Yes. That part should be taken with some caveats. And unless you're born rich, you start your life with debt: You need some form of retirement money for the la

Yes. That part should be taken with some caveats. And unless you're born rich, you start your life with debt: You need some form of retirement money for the last 20 something years you might not be able to work anymore. If you buy assets on a loan/mortgage/etc, it's more like you're materializing this debt early.