Credit works well in certain cases, I agree there, eg in real estate, and when comparing Bitcoin as the hurdle rate, the benefits of some leverage are clear
I do however like the general message of being debt-free
Depending on your goals and how disciplined you are. Taking on debt maybe a better option if you are already debt free
Nothing like stacking #Bitcoin with a low % interest rate on a HLOC
If you are not debt free
Pay your high credit cards off and dispose of them
Only hold good debt that outpaces inflation
Spend less then you make
Sweep the rest in Bitcoin
Borrow against your #btc and buy more BTC
Stack forever and let price appreciation of your collateral roll over and de value your debt.
Basically, be nostr:nprofile1qqs2xs05tluhtr6hpgsmqqxp04898gayjlyrjlexcrndv8j6el784xqpp3mhxue69uhkyunz9e5k7qg4waehxw309ajkgetw9ehx7um5wghxcctwvs0vd8n5 but for your family and yourself.
If your putting shit on credit cards every month. Start there that has to end.
Discussion
being debt-free hits different mentally , no alarms at 3am about payments, just pure freedom to tell any employer/banker to f off if you want. that psychological alpha is worth some trade-offs imho. plus once you’re sitting on a fat stack of corn unencumbered, 21m hard cap does the heavy lifting vs chasing leverage & liquidation points.