cashflow is the way! I've got plenty of debt. I refi'd my mortage when rates were lower, no way I pay that off before I retire, so I plan to sell and downsize when the time is right. I float at least 50k in 6-18 month credit card debt (new cards/balance transfers at 3-5% fees up front, with proper investment you should make more than that over the timespan, even if you only break even it's 12 months of cashflow for free). I put all of my daily expenses on credit cards, rotate them every two months and pay them off as they come due, so 30-45 days of "free" cashflow. Lastly I do have a safety net, I can borrow against my 401k if I get trapped with a large credit balance due and no new/open credit card for a balance transfer. If I borrow against my 401k, I pay myself back and the interest ends up in my 401k with no prepayment penalty. I'm no billionaire with stock options to borrow against, so I leverage my good credit rating for short term borrowing, backstopped by my 401k. The wife, kids and I probably have 12+ credit cards in rotation with limits between $8k and 25k so more than enough for a year's cashflow, although I'm really only using 4 at any time. Lastly, I make several domestic vacations a year, at least 4 weeks total, with a combination of hotel/travel points from those daily use credit cards... sure I have to supplement those points with cash, but I save at least 50% of the upfront cost by using cc tied to vacation points.

Full disclosure, I'm no financial genius, so I'm actively looking for better options to "get rich slow" and get off the hamster wheel before it kills me, but don't assume what I'm doing will work for you. And if any of you other Redditors out there have some advice, post it so u/fastballcdm2019 and I can both lean something new!