---
id: "quote-vitamin-debt"
type: "quote"
source_timestamps: ["00:14:53", "00:15:05"]
tags: ["debt", "leverage", "personal-finance"]
related: ["concept-financial-vitamins-analogy"]
speaker: "Jared Dillian"
speakers: ["Jared Dillian"]
sources: ["dillian"]
sourceVaultSlug: "jared-dillian-macro-trading-wealth-2026Jun25"
originDay: 6
---
# Debt as a vitamin

## Quote

> "If you have a bottle of vitamins, if you take all the vitamins, you're going to die. You're going to poison yourself. If you take one vitamin a day, if you take a little bit of vitamins, it's actually good. Debt can help you accomplish a lot of things you couldn't do without it."

— [[entity-jared-dillian]]

## Context

Dillian uses this analogy to explain that **debt is a tool that requires proper dosage**, pushing back against the absolute debt-aversion of figures like [[entity-dave-ramsey]] and [[entity-suze-orman]].

The analogy is captured as [[concept-financial-vitamins-analogy]] and informs [[concept-good-vs-bad-debt]].

## Related

- [[concept-financial-vitamins-analogy]]
- [[concept-good-vs-bad-debt]]
- [[concept-middle-of-the-road-finance]]