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Which is why I don't borrow up to my eyeballs! I want to feel like I have options if life throws a curve ball. I've been very fortunate and very lucky, but I can't be sure that will always be true. My father's mindset (and I think it's generational to an extent) was to borrow as much as you can and spend the rest of your life paying it off. That just doesn't work for me.life of course might play out differently.