I’m totally with joec on this one. I’m in the camp of manage debt. Everyone have different tolerance for debt, so there’s no right or wrong answer. However, for me, I would know what my income would be every year, that number would be more firm in retire. As long as that deb is well below the income and manageable, then that’s perfectly fine with me. I value having capital more than worrying about manageable debt. I would be more worried when I’m debt free but cash strap. Having capital allow me a lot of flexibility and help me handle various different scenario.