debt can be utilized to stack more sats during bear years if you are %95 sure that you will have a job for the next few years. You just need to look at the amount of interest you will pay during those few years and make sure it will not be exceeding your basic expenses and possible one-time emergency needs. Just gotto keep the math as simple and as realistic as possible. Live simple. Dont FOMO into "things" just because everyone else has "things". Spend less than you earn and save everything else in bitcion.

not good but good. I am sure people already realized the need for an alternative and hopefully will be able to act upon it before its too late. usually they tend to go for gold first because its just a cultural comfort zone for middle eastern cultures. hope the trend shifts toward bitcoin with the new generations. we need more orange pills