When a debt we ought to save for its debt payments because it may cause conflict and harm life. Talking to negotiate to find a solution rather than cause thanong like proverbs there are no debt is lucky and virtue.
When in debt, we should save money to pay the debt. It may cause a conflict and endanger lives. Talking to bargain for a better solution to the ego. As the adage that there is no debt to good fortune.
We should save money when the debt to liquidate. Because of the potential conflict and endanger life. Talking to negotiate a solution better than pride. As the proverb no debt is bliss.