noun phrasepl: healthy debts
dívida saudável
1. Debt incurred for assets or investments that generate income or increase in value, typically with manageable interest rates and repayment terms that do not strain finances
A mortgage on a house is often considered healthy debt because the property typically appreciates in value.
Uma hipoteca em uma casa é frequentemente considerada uma dívida saudável porque a propriedade normalmente se valoriza.
2. Debt with a favorable debt-to-income ratio that demonstrates responsible borrowing and financial management
The company maintains healthy debt levels by keeping its debt-to-equity ratio below 50%.
A empresa mantém níveis saudáveis de dívida mantendo sua relação dívida-patrimônio abaixo de 50%.
3. Borrowed money used strategically for education, business expansion, or investments that enhance earning potential or net worth
Taking out student loans for a college degree is viewed as healthy debt because it increases future earning capacity.
Contrair empréstimos estudantis para uma formação universitária é visto como dívida saudável porque aumenta a capacidade de ganho futuro.
The concept of 'healthy debt' is integral to modern financial literacy in both American and Brazilian cultures. In the USA, it reflects the belief that strategic borrowing for education, home ownership, or business is part of wealth-building. In Brazil, the term gained prominence as financial education expanded, helping consumers distinguish between productive debt and exploitative lending practices common in high-inflation periods.
NYC Slang
good debt / smart money moves
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