What are you going to use it for? If you are going to start something that will gain you cash flow… maybe

But that cash flow needs to be greater than the what you will pay back with interest.

If you hold on to the cash it will inflate away… maybe fast maybe slow. And if you buy something that is just to have it, you are paying the principle and interest in the further for it…

TLDR better have a good reason, especially with higher interest rates