this post was submitted on 11 Feb 2026
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Well my main hurdle is, that I don't have any income right now. I've had 4 jobs in the last 10 years after finishing university, none of which lasted longer than 15 months, due to recurring health issues.
If also never lived in the same place for more than 4 years. (except my parent's house)
So even if a bank would give me a loan, my confidence that I could manage to pay that off is pretty low. Which is kind of a sad state to find yourself in, in your late 30s.
I learned some of the math in uni for my engineering degree, but that was focussed on enterprises, where it makes sense if you generate revenue and get a return of investment to pay off the loan for that investment. I probably need to switch perspective, to actually appreciate it as a tool for cutting expenses in my daily life. If the day comes, where that won't be purely hypothetical.
But still, I think that only applies to stuff like housing, where you have recurring cost, that could be lower (even if it's just in the long run) or maybe a car, that you need to get to a job, where it basically enables you to make more money. I don't see any other cases, where it really makes sense to pay interest on anything.