> debt can be productive/unproductive if you are just starting to work as a neet debt is not your friend i have watched retards extend their spending with debt or use a credit card as a emergency fund it never ends well debt is a medium tier skill if you havent been employed and budgeting more than 6 months i cannot recommend it. but yes you are right its can be a very good tool if you arent nigger tier stupid. its leverage for starting businesses or investing or moving up with certs/tools.
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