What was Sai Baba's teaching about going on a pilgrimage with borrowed money?

The source material provides a clear teaching from Sai Baba regarding pilgrimages and debt. In Chapter 28, it is explicitly stated that Baba did not approve of taking on debt for the purpose of a pilgrimage. The text mentions, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights Baba's practical wisdom, emphasizing financial responsibility and discouraging devotees from incurring debt, even for spiritual activities. It shows that Baba valued a devotee's peace of mind over grand but financially burdensome gestures of devotion.