Yep. These are all tradeoffs to be weighed. Part of the equation for me is knowing the market volatility for jobs tends to fluctuate wildly, too. It’d be one thing if a job was virtually guaranteed over the course of a loan, etc.

I don’t mind having debt for something like a house - I have no real alternative anyway and it tends to appreciate in value besides. I did a refi in 2021 and locked in an absurdly low rate for instance.

Lastly - earning 15% in the market? Returns like that are not necessarily guaranteed. I sure wish they were!