Debt is not a bad thing, not inheritly. There are bad debts and there good debts and you need to figure out which one you are on the side of. If you take out a mortgage to buy a house, pay about 1.5k monthly on the mortgage and make 3k on the rent, while the price rises %1 above inflation a year, that is a good debt to have. If you take out a loan, or just use a credit card to buy the new iphone, that is a bad debt.
That's actually a great explanation. The concept of good and bad debts is actually refreshing to read and understand. It makes sense to have debts if you know that the overall value is going to be positive from those debts. It's similar to a businessman taking loans from bank at let's say 10% and easily making 20-50% profits from the same money, then that's good debt.
That said, it's not easy to actually identify whether your plans and calculations are going to be viable because there are hundreds of other aspects we won't account for when making the calculations.