Well good people, do you have debt? Credit cards, student loans, what have you?
Does it scare you? I have like 85k in student loans and I'm a bit worried.
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Credit and loan rates on secured debt (home, car, etc.) are far too cheap right now not to have it. I cash-out refinanced all my cars months ago and continue to hold mortgage debt because of how low the loan rates are. If you have excellent credit, banks are literally giving you money if you factor in inflation. Which is what the Federal Reserve wants, and I'm happy to oblige.
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$85,000 in student debt? How cute!