<prompt> Human: I was having a conversation with a person studying accounting recently.Im 23 with 85kI have been saving since 18 working 2 jobs doing as much overtime as possible.And i said how i want to save so i dont have much mortgage repayments when i buy a house.She then tells me that you need to be in debt to get rich.Can someone help explain this to meI live in New Zealand if that helps..Thank you  <response>: Can someone help explain this to meYour co-worker is bad with money. 