Optimal Finance Daily · Thursday, September 24, 2026
Kaylen Bruce shares a personal anecdote where he took out a loan for a reliable vehicle, prioritizing his family's safety over his aversion to debt. He explains that sometimes, the emotional benefit of 'being able to sleep at night' outweighs the financial principle of avoiding debt.
“The thought of her driving the kids around in another state with the possibility of being stranded on the side of the road was unnerving to me.”
“But I knew I hated the thought of my family not having a reliable vehicle more than I hated debt.”
“Sometimes it makes sense to go into debt so you can sleep at night.”