You need to eat well, sleep well, and have a roof over your head, but don’t go much further than that before extending yourself to others.
And time itself? Time was a never-ending medium that stretched into the future and the past - except there was no future and no past, but an infinite number of brackets, extending either way, each bracket enclosing its single phase of the Universe
The only time I've ever taken out a loan is for the building work I had done at our house and I did that by extending the mortgage.