I took out 20k in student loans at 4% and started a construction buisness and made about 50k with it in a year working between semesters. Utilizing debt is the only way to make a lot of money. High reward, high risk. Saving cash when inflation is at 10+% is dumb. Convert your cash to tangible assets as quickly as possible. Invest in tools that will make you money as an example. Things that lose value quickly avoid. I bought a used tool that cost me 4k, I used that tool to do hundreds of thousands worth of work. Great return on my money, couldn't have done it without debt. Working part time, it would have taken me a year to save for that tool. Instead, I used debt and made way more and faster because I had the tool. I did not however spend the money on anything that wasn't going to make more money.