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The Debt Averse
You don't borrow, and that certainty is worth a lot to you.
What it means to be The Debt Averse?
Owing nothing is a genuinely strong position, and the peace of mind is a real return that doesn't appear on any spreadsheet. The trade-off is that a blanket refusal to borrow can occasionally cost you — a mortgage at a reasonable rate, or a loan that raises your earnings, can be worth more than the cash you'd tie up avoiding it.
Your move: keep the instinct, but judge the big ones on the maths rather than the rule.
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