Bestselling Author and Retirement Expert, Dale McGregor, explains why the real answer to “Is debt good or bad?” is “it depends.” He walks through when debt can be strategically useful—like tax-deductible mortgage interest or 0% auto loans—and when it quietly sabotages your financial future, like revolving credit card balances and chronic car trading. Dale also talks about how to think differently about student loans and why your debt strategy needs to change as you move closer to retirement.