It depends. If debt is tax deductible then it can make sense to hold it. Or based on the size of the opportunity.
Note that this is in the section of the OP’s advice to themself, and presumably accounts for them already checking for tax-deductible opportunities and opportunity costs.
Note that this is in the section of the OP’s advice to themself, and presumably accounts for them already checking for tax-deductible opportunities and opportunity costs.