Investing Without Loans

i'm not like super financially sabvy. I just don't have like enough brain cells or leg tand no patience to read up on everything. My parents like to buy things without loans, because loans just make them feel bad,. So if they do buy stuff with loans, then they try to speed up the process and like pay it off as fast as they canya. i've heard that there are just other ways where it's like, if you have all these loans, then you have other money that you canlik used to invest in other stuffs.