Since Zambian Kwacha, dollar or any other money is taxed and debt is tax free, which makes more sense to learn how to use debt.
Every time money is printed taxes go up, inflation causes food and energy prices to go up, as savings and the purchasing power of the money go down.
As inflation goes up, doesn’t it make more sense to learn to use debt to acquire assets – assets that are likely to go up in value with inflation and provide cash flow?
To me, it makes more sense to learn how to use debt than to get out of debt.
The rules of money changed a long time ago from save money and get out of debt, today you need to learn how to invest money and learn how to use debt to acquire assets that generates cash flowing in for you.
Being financially intelligent and educated today is to learn how to use debt to your advantage than to stay out of debt.