Being in debt is never good. Maybe I should ask Chaim what he thinks about debt. There's a guy on the radio here in America who always says that the borrower is a slave to the lender and if you can't afford something then don't go into debt to get it.
He does make an exception for the family home, because he knows a lot of people do need a mortgage, even though he'd prefer they paid cash for that too, but he wants them on a fixed rate.
Thats silly and I will not even ask Chaim, I provide a home and roof over my family, and that is called being responsable for my families welfare.
I am 33 years old, many double my age have nothing.
I would beg, borrow and steal if it comes to providing for my family, I will do what ever it takes.
My family will never be without.