I don't like being in debt, and I wouldn't borrow money for anything.
I know I'm in the exceptional position of having money but I didn't have it for many decades.
What musicals need is a new me.
I never know what is going to have that 'X' factor and what isn't.
Having a think about whether you can afford 'this' or 'that' is a good discipline to have, to maximise what you can achieve to the highest standard.
My dream is to be on my boat. Or on an island. Or in my house in the country. That's my dream.