No I completely agree they should be looking at it. Everyone should be and have retirement in the back of their minds.

But their question wasn't retirement focused. OP is currently concerned about meeting their immediate lifestyle costs.

They're not looking at retirement. They're looking at if their current lifestyle costs are sustainable.

What the debt is from isn't applicable.

You can have debt and take on a mortgage.

Lmao. The irony of posting this on the wrong sub makes this truly outstanding. OP is a mess and it's beautiful 😁