@Chuckar @iwillbite I understand your point. I have interest free student loans because of that, but that's only the case when incomes match inflation. You need to be in a position where you can pay off your debt. Unless you're in Argentina, it's unlikely a good idea to hold debt in my personal al opinion. Savings aren't good anymore for the reasons you described, but I'm a fan of stable stock investment, with some money in a term deposit and some in metals

Just me though. I really dislike debt, as it's a noose around your neck afterall