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Subject: помогите с предложением! Контекст:
To build wealth, maintain an impeccably strong borrower profile. “No cash, no credit” folks can frequently raise money to finance a property acquisition, but they will sacrifice a large part of their anticipated returns to higher loan costs, interest, and fees. They will lose many potential deals to people whose record affirms their character, their financial responsibility, their habits to spend below their means, and only borrow constructively—not destructively).
Не пойму в последнем предложении and only borrow constructively—not destructively, это имеется в виду, что у таких людей только одалживать хорошо получается?
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