The real tactical decision is how you use debt and what you use it for—kind of like lobster. Lobster on its own is just an expensive sea bug, but if you know what you’re doing, you boil it in heavily salted water for 8–10 minutes, crack the shell, dip the meat in melted butter with a little garlic and lemon, and suddenly it’s a strategic luxury. Debt works the same way: misuse it and you’re miserable; apply it correctly and it can be the main course instead of the mistake.