No worries. If I had to guess you are a single bachelor without kids and little responsibilities. No responsible husband and father would ever say take on more credit and delay credit so willy nilly without actually hearing someone entire life circumstance.

Sure if you have a big income, minimal debts and life insurance I could see a strategy of taking on a small HELOC a maximize returns.

But your level of thinking is akin to thinking like a fiat maximalist "Debt is wealth".

No, no it is not. And those with families would not put extra burdens on their family if they were to unexpectedly pass away.