Based on the story of the pilgrimage, what is Sai Baba's main teaching regarding personal finance?

The provided text from Chapter 28 contains a very clear and direct teaching from Sai Baba concerning debt. While the broader context involves devotees going on a pilgrimage, a specific verse highlights Baba's philosophy on financial matters. The Satcharitra states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Baba disapproved of his devotees incurring debt, even for a pious act like a pilgrimage. He valued financial responsibility and did not want his followers to be burdened by loans, emphasizing a practical approach to life alongside spiritual pursuits.