You got a nagging car problem that you have not paid to get fixed? Roof leak? Fix it. Spent that dollar while people still think it has some value.
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Fortunately we have a place to live with no mortgage and a car and a pickup truck with no debt. I tell my wife that if we were half smart we would take every dime we could borrow unsecured and buy silver coins, ammunition, whiskey, freeze dried food and gold and never pay a dime on the debt. We would lose our credit rating but soon it won’t matter anyway.
She says she couldn’t do that because it would be dishonest at which point I sneer and ask her how we could possibly be any less honest than our government. Maybe I will do it anyway, she will thank me later when the final turd hits the wind machine.
In short, I guess I agree with your wife. Better to be poor than a prisoner.
Sounds like you are in a pretty good place to me.
Blessings.
PS wheat and rice are very cheap, and practically store themselves...