 You're being a control freak. You're saying because it has the string attached of never go into debt. But the truth is, why would you ever need to go into debt at that point? Well, because some idiot on Instagram told them to. To go leverage some real estate or write off a car. Or some idiot on Tic Tac told them it was a good idea to get passive income. But the thing is this. Yes, it is controlling. It's my freaking money. Want my money? Do my plans.