[Garlef]

Yes. That part should be taken with some caveats.

And unless you're born rich, you start your life with debt: You need some form of retirement money for the last 20 something years you might not be able to work anymore.

If you buy assets on a loan/mortgage/etc, it's more like you're materializing this debt early.

[linguae]

Wow, this is very insightful and I haven’t looked at saving for retirement as a type of debt before! Thanks for sharing!