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I am anti-debt, and I am not muslim ... and, actually, I have quite a bit of debt.

Debt is risk. They can’t foreclose if you don’t have a mortgage. They can’t repo if you don’t have a car loan. Collectors can’t call if you don’t borrow. And think of the nest-egg you could save up if you weren’t paying for two cars and a house every month (instead investing the $2500/mo. you would’ve been paying to someone else). You could very literally be a millionaire inside of 15 years.

Debt stifles growth because it teaches you to live above your means, and to make payments for the rest of your life.

SnakeDoc