What was Sai Baba's specific teaching regarding taking on debt, especially for spiritual activities like a pilgrimage?

Sai Baba's teachings strongly emphasized financial prudence and the avoidance of debt. Chapter 28 contains a very clear and direct teaching on this matter. The text 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 believed spiritual pursuits should not lead to financial distress or liabilities. He valued responsible living and did not want his devotees to burden themselves with loans, even for something as sacred as a pilgrimage, highlighting a practical approach to life alongside spiritual devotion.