Get out of debt or at make it your goal to always be reducing your debt - at least on the long-term curve.
The U. S. Money Supply has ballooned since the first quarter of 2020, with the onset of "the pandemic". (See chart). Raise your hand if you think the money helped.
An "expert" with a vlog on the internet that I respect just said this...
"As long as the illusion of stability in the debt market continues, the markets will go up."