Yeah when he’s talking about debt he means small scale stuff like credit card debt. Basically you buy your groceries on your credit card rather than your debit card even though you could buy them on your debit card.

The reasoning being is that that way you get an extra month of interest before you have to pay out, and you get a good credit score since you always pay off your loans. Which weirdly is actually better than having no credit score at all because you’ve never had any debt.