In some corners of the personal finance advice world, getting into debt is about the worst thing you can do. And yes, some forms of debt, especially those that charge high interest rates, can keep you locked in a cycle of debt for years.
Still, there are times when getting into debt serves a purpose in your overall financial picture. Debt isn’t always bad, although there is always a risk of it piling up over your head. It’s simply a tool you can use to afford a very large purchase without depleting your savings.