You cannot keep borrowing energy from tomorrow without eventually meeting the debt.

You can take energy from tomorrow and often you must, for a deadline, a newborn, a crisis. The mistake is treating that borrowing as free rather than as a loan. It gets repaid whether or not you plan for it, in illness, in a flat month, in work that quietly gets worse, and the longer it runs the larger the repayment.

After any period of borrowing, schedule the payback deliberately rather than waiting to be billed. A few slow days chosen by you are much cheaper than the version your body arranges.