Oh, please don't take my comments the wrong way ... was just sort of thinking out loud.
One thing I never do is tell people how to spend their money ... even when it's not the most responsible (and I am NOT suggesting that here) ... because 1.) life is too short and I sure don't believe we're getting a second go-around (unless we're characters on Lost!), so if someone wants to overextend themselves for some Disney magic and; 2.) I have watched as Wall Street, Big Business and execs have been criminally irresponsible and have largely (Bernie Madoff and a few others excepted) not only gotten away with it, but continue to do so ...
Personally, I've been in debt and I've lived debt-free. I much prefer the latter, but I'd never let debt stand in the way of living because we all have a limited time to do so. I'd much rather kick the bucket owing hundreds of millions myself ... it would mean I got a whole lot of living in!