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Stop listening to the "good vs. bad debt" gospel. It's a trap for employees, not entrepreneurs. Your house isn't an "asset"—it's a cash-eating liability murdering the real American Dream. For builders, there's only Tool Debt. This article teaches you to stop asking "is it bad?" and start asking "WTF is my ROL?" (Return on Loan). We'll show you why a 20% APR card can be a genius move, and 0% APR is the ultimate cheat code. Stop judging your debt and start using it to build an