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naples_rocket writes:

I bough my home with the money I didn't have, I went to grad school with the money I didn't have. Two best financial decisions I've made in my entire life.
Lets not overestimate all this "if you don’t have the money, don’t buy it" deal. I'm pretty sure that richest countries in the world became such in the 20th century because ordinary citizens became able to do things with the money they did not have.
One thing is putting spa treatments and shopping trips on the credit card and totally different thing is taking out a loan to help ones kid to go through the medical school. In both cases something is being done with the money one does not have.
Taking on too much and not being able to repay is a totally different story.

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