I liked the second one especially because I think of debt as a tool. A very sharp, very dangerous tool that can feel like a burden but a tool. Without the ability to go into debt I wouldn't have the job I have (which pays me a LOT of money because of my degree), or the house I have (which has appreciated 100k since I bought it), or have gotten to travel as much as I have (because of credit card sign up bonuses, yes I pay them off immediately).