>>213334340
the second sentence is fine. it's the first one that's retarded. you shouldn't do all you can to avoid debt. you should actively take on debt when it makes you money faster than you will lost it paying it off.
mike rowes guidelines specifically prohibit financing luxuries, sblocs, tax payment installment loans etc.
if you have to buy a 1MM+home you should absolutely just go for the 20% down and financing the rest while the large part of your capital is still in vtsax churning at 8 or 9%. you should explicitly go out of your way NOT to buy the home outright even if you have it all in cash right then