{"id":578,"date":"2021-10-13T12:00:00","date_gmt":"2021-10-13T12:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/why-does-the-personal-finance-community-hate-debt\/"},"modified":"2025-08-29T16:27:25","modified_gmt":"2025-08-29T16:27:25","slug":"why-does-the-personal-finance-community-hate-debt","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/why-does-the-personal-finance-community-hate-debt\/","title":{"rendered":"Rich People Love Debt. Why Does the Personal Finance Community Hate it So Much?"},"content":{"rendered":"
\n

Ask your average American who comes to mind when they think \u201cpersonal finance,\u201d and they\u2019re likely to report one name above the others:<\/p>\n

Dave Ramsey.<\/p>\n

Ramsey is a jovial-but-punishing, debt-be-damned crusader whose teachings have infiltrated the middle class \u2013 and with good reason! He preaches the most stringent fiscal responsibility that (probably) works best for an American making an average income with very little financial education. <\/p>\n

\u201cKatie,\u201d you might be shouting at your laptop, \u201cHow could you speak such blasphemy<\/em>?\u201d <\/p>\n

Look, I get it \u2013 Ramsey\u2019s teachings have become popularized anew in the Instagram\/TikTok age of personal finance as the new guard of personal finance voices takes over, but for the opposite<\/em> reason: People share their perspectives relative to Ramsey, oftentimes citing how different<\/em> they are. It\u2019s become fashionable to do so. <\/p>\n

And hear me out: The average American makes about $52,000 as of 2019<\/a>, and is in roughly $6,000 of credit card deb<\/a>t, $32,000 of student loan debt<\/a>, $208,000 of mortgage debt<\/a>, and $19,000 of auto loan debt<\/a>. <\/p>\n

While I\u2019m lazily combining all of these statistics into a picture of one, average indebted American, you don\u2019t have to be a mathematician to see why people might consider debt an issue for your average American. <\/p>\n

After all, if you\u2019re looking at this \u201caverage\u201d person, they owe lenders 5x what they make in a single year. Yikes. Debt must be pretty bad, huh? <\/p>\n

The personal finance #debtfree community<\/h2>\n

Dave\u2019s teachings inspired a loyal legion of followers who (maybe blindly) espouse the debt-free lifestyle. <\/p>\n

They pay cash for brand new, fully loaded vehicles (and Dave applauds it, hilariously)<\/a>, eschew credit cards because they believe any type of rotating credit line is bad and credit scores are unnecessary witchcraft<\/a>, and stuff labeled envelopes full of cash in the name of budgeting<\/a>.<\/p>\n

I\u2019m not trying to dunk on Ramsey or these ideas \u2013 but today, I\u2019m trying to prove that the advice that helped some<\/em> middle class Americans get out of debt is the very sentiment that\u2019s keeping<\/em> them in the middle class. <\/p>\n

This, my dear #RichGirls, is the problem when we accept financial dogma at face value without digging a layer deeper \u2013 when financial truths get diluted down to their lowest common denominator, we rob people of the opportunity to understand why<\/em> it\u2019s considered a truth. We begin to miss the point.<\/p>\n

Dave Ramsey\u2019s anti-debt reign of terror is well-meaning: There\u2019s certainly a subset of Americans in consumer debt up to their financed Warby Parkers. But should we rob those same people of the opportunity to learn more advanced financial truths in the name of financial triage? <\/p>\n

Sure, let\u2019s stop the bleeding \u2013 but the no-debt-ever-again tourniquet isn\u2019t a long-term solution, and I\u2019d argue it can be more damaging in the long run when you consider the investing lifetime of your average adult.<\/p>\n

Save up $40,000 cash to pay for your Ford Explorer and avoid payments? If it takes you five years to save $40,000 cash, you\u2019ve just missed out on average 10% returns in the stock market on your money \u2013 and now you\u2019re driving around in (what could\u2019ve turned into) $64,420 over the next 60 months while you financed the vehicle instead, using your monthly cash flow to pay for the low payments. <\/p>\n

Instead, you\u2019ve got a depreciating asset on which you\u2019re making no payments. Sure, your cash flow every month is improved, but your overall net worth has lowered substantially. <\/p>\n

Is there such thing as good debt?<\/h2>\n

When money is cheap (as it was in the late 2010s, between 2-3%) and stock market returns are high, you actively put yourself behind<\/em> by paying cash for your assets. Rich people know this \u2013 that\u2019s why they\u2019re borrowing cheap money at record highs<\/a> (but more on that later).<\/p>\n

Unfortunately, when your personal finance coming-of-age is defined by the idea that all debt is evil, you stand to miss out on lucrative financial benefits and pay steep<\/em> opportunity costs. <\/p>\n

It all comes down to simple math: If an asset appreciates faster than the interest rate on the loan, it\u2019s an investment. You come out ahead. But teaching nuance is hard, and it\u2019s even harder to explain to someone in $200,000 of debt that they\u2019re just in the wrong type of debt<\/em>. It\u2019s much easier to categorically swear off the entire concept. <\/p>\n

After all, “#DebtFreeUnlessItsLeverageToIncreaseYourFinancialPosition community\u201d isn\u2019t as catchy. <\/p>\n

The same could be said for paying off a home early \u2013 sure, you\u2019ve now increased your monthly cash flow, but having a substantial amount of equity in your property is quite costly, mathematically speaking (for the same reasons) \u2013 equity in your home is just money that\u2019s not earning 18% this year. And while your property is likely to keep up with inflation over the long haul, the chances that it\u2019ll appreciate 18% annually ever<\/em> are slim.<\/p>\n

That\u2019s not to say you shouldn\u2019t buy a home, just that rushing to pay it off in an environment like this one is \u2013 frankly \u2013 short-sighted.<\/p>\n

And while the common rebuttal I hear to these types of comments is a frustrated, \u201cWell, money is personal and psychological \u2013 and I hate<\/em> being in debt,\u201d it\u2019s just another reminder to me how much we (the middle class) have internalized the idea that debt is bad<\/em>. <\/p>\n

It\u2019s costing us handsomely. <\/p>\n

If being in debt were unilaterally seen as a wise financial position \u2013 a desirable strategy <\/em>to increase one\u2019s net worth \u2013 do you think your financial emotions would change to fit that narrative, too? <\/p>\n

If I told you that you could either save $5,000 in interest or make $50,000 in the market, would you still pick eliminating the debt? Probably not. <\/p>\n

For most, emotions adjust as more information arrives. And for those who still swear they\u2019re just too uncomfortable with debt, I maintain: This is simply internalization of a message that does more harm than good.<\/p>\n

Numbers are the only thing that don\u2019t lie to us, and they\u2019re completely unbiased.<\/p>\n

How do the rich avoid taxes?<\/h2>\n

The personal finance game has levels, and amongst the most slippery and impactful is the reality that rich people actively use debt to better their positions.<\/p>\n

American policy today around borrowing and inheritance effectively incentivizes super-rich Americans to cheat the system. <\/p>\n

Today, you can pass down <\/em>$14-fucking-million tax-free (as of 2025), directly incentivizing the rich to amass staggering wealth and then borrow against it<\/em> instead of \u201crealizing\u201d (read: using) it, so they can pass it down to their future heirs.<\/p>\n

How the rich use debt to get richer<\/h2>\n

To understand how this works at scale, consider how quickly $1M compounds. <\/p>\n

A 10% average return on $1M in one year is $100,000.<\/p>\n

Imagine having so much money that your money<\/em> earned six figures each year. <\/p>\n

Now imagine that you need $100,000 to buy a boat.<\/p>\n

Does it make sense to withdraw $100,000 from your portfolio, or to go to the bank and say, \u201cHey! You\u2019ve got $1M of my money, and I\u2019d like a $100,000 personal loan. I promise I\u2019m good for it.\u201d<\/p>\n

Well, they\u2019ve already got 10x that amount in your name \u2013 they know<\/em> you can pay them back.<\/p>\n

You\u2019re probably going to get the loan, and as a high net worth borrower in the (formerly) low interest rate environment, you were probably going to pay sub-5% for the pleasure.<\/p>\n

So you take out $100,000 in debt, live out your Jimmy Buffett dreams, and pay $5,000 in interest for the privilege to use their money instead of your own. You use your monthly cash flow to pay back the debt, instead of using money from your own portfolio.<\/p>\n

Had you liquidated $100,000 of your<\/em> portfolio, you would\u2019ve paid between $15,000 and $20,000 in taxes, and be left with $900,000 left in the bank to compound instead of the full $1M. <\/p>\n

But instead, your full<\/em> $1M portfolio sat in the market for another year, making<\/em> another $100,000 (assuming a 10% return), while you traversed the globe in your borrowed-money boat.<\/p>\n

Instead of withdrawing $100,000 of your own money and paying $15,000\u2013$20,000 in capital gains taxes, you now have $1.1M after a year of compounding, a full $100,000 of the bank\u2019s money that you spent on your boat, and a debt to be paid of $105,000: A total net worth of $995,000<\/strong>. ($1.1M in assets and $105,000 in liability that you\u2019d be paying back with your cash flow each month, instead of a giant lump sum withdrawal. This, of course, ignores the value of the boat.)<\/p>\n

You went $100,000 into debt and still came out $95,000 ahead. The reality, of course, is that your $900,000 would\u2019ve theoretically continued to compound, too; it would\u2019ve made roughly $90,000 assuming the same 10% return, making the real gap in outcomes about $5,000, plus the $15,000\u2013$20,000 in taxes: about $25,000.<\/p>\n

That\u2019s a silly example, but imagine this at massive scale, repetitively. It\u2019s easy to see how wealth begets wealth \u2013 and more importantly, cheap debt <\/em>begets wealth. <\/p>\n

Leverage is a knife that cuts both ways<\/h2>\n

That, my friends, is an example of leverage. Another example of leverage is borrowing against your own portfolio to invest more<\/em>. Imagine borrowing money at 3% and then turning around and making 10%. <\/em><\/p>\n

You\u2019re netting 7% gains on someone else\u2019s money!<\/em><\/p>\n

This is the basic premise of how real estate investing works, but you don\u2019t need to own rental properties to trade with leverage \u2013 you just need a lender who will give you the money to trade. <\/p>\n

Of course, if things go belly-up, you now owe money at a loss. Look no further than the 2008 housing market crash for an example of what happens when you\u2019re in over your head and things don\u2019t pan out the way you expected. <\/p>\n

In essence, people bought homes they couldn\u2019t afford assuming they were bound to appreciate. When they didn\u2019t, people owed more money on their homes than their homes were worth \u2013 and many defaulted.<\/p>\n

Because of the subprime bond markets that were backed by these bullshit mortgages, the economy collapsed. It was a mess, and it ruined people\u2019s lives.<\/p>\n

The bottom line<\/h2>\n

It pays to understand the math and rationale behind our favorite personal finance aphorisms. <\/p>\n

In the case of debt, the entirety of the middle class being taught that debt is unilaterally bad keeps a large subset of society in a position where they won\u2019t consider using leverage to better their financial positions. The grand irony? The people using leverage the most are the ones who need it the least. <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ask your average American who comes to mind when they think \u201cpersonal finance,\u201d and they\u2019re likely to report one name above the others: Dave Ramsey. Ramsey is a jovial-but-punishing, debt-be-damned crusader whose teachings have infiltrated the middle class \u2013 and with good reason! He preaches the most stringent fiscal responsibility that (probably) works best for an […]<\/p>\n","protected":false},"author":178814,"featured_media":2437,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-debt.php","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[48],"class_list":["post-578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spending-and-saving","tag-debt"],"yoast_head":"\nRich People Love Debt. 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