debt implies faith in a better future. the more debt one incurs the more one lives in a "story". while reality is robust since it's always just Literally There, stories are far more brittle due to constant upkeep reqs.
so when grandpa says "This ain't so serious, back in MY day blah blah blah" he is offering the same energy that can dissolve a limiting belief but also can be incorrectly used to attack the Meaningful Story directly (or indirectly as collateral)
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so.... first become a writer, THEN become an editor. first have a goal, THEN take on debt. first learn to create, THEN learn to destroy. (debt is a way of destroying certain futures to increase the probability of desired ones)
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