 Man, that money's gone, and yet you don't have anything to show for it. But when you borrow money to buy assets, and assets return income and grow in wealth, that is not bad debt. That is good debt if there is such a thing. It's functional debt. It's something that's going to benefit you, right? But like Dave Ramsey says, I don't want you to get into debt because debt is bad. Why? He says it's bad because he didn't know how to use it.