So the idea is to borrow within limits, within what's wise and what's
smart and comfortable
for you and which you can readily repay, like if you see yourself only paying minimum payments on anything, whether that's student loans like I did — not a
smart move — whether that's barely getting by on a mortgage, say maybe an interest - only mortgage where you're not making principal payments, or of course, on credit cards where you're only
financially able to pay minimum payments.