Would you spend your entire income, and then borrow an amount equal to 40 % of that amount and spend it, too – every year, for years without end, with interest just piling up – just so you could live comfortably now?
Would you do it if your kids and grandkids were eventually going to have to pay it back?
If so, just what kind of sorry, amoral, gutless, irresponsible low-life are you, anyway?? Or is something else going on??