There is no mistaking how Eric Markowitz feels about borrowing money: “I hate debt,” he said. Dr. Markowitz, a dentist in Washington, D.C., took out a mortgage to buy a home for his family, but that’s the extent of his borrowing. And he fully intends to have it paid off by the time he retires in 15 years or so. “I sleep better knowing I have limited debt,” he said. “I just don’t like owing people.” Like Dr. Markowitz, Bill Malloy has been…

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