Why would I try to trick others? Let me clarify my thoughts on debt...
I never said all debt is good. There is good debt and bad debt. Personally I have zero debt, but it took 20 years to pay off my primary mortgage. I own a home in prime Silicon Valley real estate. Actually, my wife and I own 3.
I pay cash for my vehicles, which are typically the 2nd biggest cost people have.
When you get into your 60s, do you want to be paying rent or have a home free and clear? I am not sure about a college semester, but I am pretty fluent in mortgages.
My point about mortgages is, you have to have a place to live. Of course, location location location is a huge consideration. Credit card debt for clothes and fancy crap? No thank you; that's a recipe for financial ruin.
I used to be a drunk, broke and homeless. Today, let's just say things are different. You might be surprised how many people come to me for financial advice and help.
FYI, my biggest gripe about public education is the lack of personal finance as a part of the cirriculum. IMO, no one should get outta 8th grade without a basic understanding of banking, checking accounts and credit cards. No one should get outta high school without an understanding of mortgages, bond and stock markets, retirement and the time value of money.
I hope this clarifies my position. If you have any questions, please feel free to ask me.