slaves to the debt cycle

Yes, and unable to follow their own consciences for fear of losing their jobs, and hence, nearly everything. It's awful. We see more and more of this as the years pass, but recent events since 2020 are freshest in my mind. How many of us did what we did not want to do, both as medical practitioners and as patients? We are slaves to our credit scores, a mere number as meaningless as the numbers on our bank account statements.

I have counseled my daughters to live within their means, and to carry zero in credit card debt. I hope to pay off one of their mortgages and, in so doing, hold her mortgage myself. If her job says "do this or you are fired" she can say no. My interest in the property will transfer to her upon my death, so she never pays the principle (which becomes an untaxed inheritance), and no one pays capital gains taxes.

Think outside of the box! Keep as much of your money as you can in the family, not in a bank!

I sure would hate to have that poor woman's job. She is, as described above, doing a job she hates, is embarrassed of, just to keep afloat financially.