Vacman u r exactly right. What u want to avoid is 'Dead Equity". This is where u have a 200k house and u owe 50k. That means u have 150k of your money sitting there earning you a rate of return that equals 0. Again I think your main point is the important one. Avoid bad debt like the plauge and take out as much good debt as possibe. I suggest Real Estate but u use what attracts u.
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