Going into debt to consume things (cars, homes, vacations, clothes, etc.) is Bad (capital B). Going into debt to purchase capital that has the potential to pay

Going into debt to consume things (cars, homes, vacations, clothes, etc.) is Bad (capital B). Going into debt to purchase capital that has the potential to pay for itself and make a profit in the long run is [not as] bad. Saving to buy things debt free regardless of its purpose is the best way to go. Those that [can] delay instant self gratification tend to be the ones best off. Short term pains for long term gains.