Debt Management.

[Volimack]

At times in someone's life, being credited by a money agencies or people etc is part of the risk one might need to take in life as people has actually built wealth with debt... That means being a good debtor in the first place by applying every possible debt management strategies being reviewed here not minding life's unforseen happenings. BTC business is inclusive..

There are many people who are managing their business with loans, everything is easy if you know the right strategy. In the commercial context, the term business loan refers to the purchase of goods and the payment of the price later. Many times it is difficult to get a loan if the buyer lacks financial stability or has difficulties. Organizations grant loans to their consumers subject to the terms of the purchase agreement. Companies that make loans to their consumers often employ a loan officer.

[Samlucky O]

Personally not wrong with debt or taking loan for business capital depend has balance under 20% loan of assets having, but many people take risk with bigger debt or loan than how much assets they have and get collapse with their business have to sell all their property or assets to recovery loan interested.

Something that can collapse your business and you are saying is not wrong, loan will not allow you to concentrate in your business or hodling because you will be thinking how to pay back the loan and it can make you not to make a good profits from your business because your mind is not on that business.

I don't think so, loan is good when you use it uprightly but bad when you you use it wrongly. The need or porpos for loan is to enhance quick and fast way of acquiring an important asset or solving a crucial problem when you are out of reserved or floats. or it can be used to add up to your reserved to solve a problem that is bigger than your reserved. Sometimes loan helps us acquire wealth which we couldn't have gotten so quick. So in summary loan is good when you invest it wisely, but when you are not yet ready to for the porpos of which you want to take loan don't even try it otherwise you may use it wrongly. People you said they do complain about taken loan and regret later are those that lack the understanding of a need to take a loan, or taken loan for unnecessary for consumption instead of business. Some might be a loan for a business which has not been properly studied if it will be profitable or not. Though in taking loan, we should apply caution in knowing the type of business we want to invest in before take a loan if not we would put ourselves in a tight Conner.

Never allow anybody to encourage you to borrow money to start a business, because I have seen many people going to the bank to borrow huge amount of money to start a big business and something happen that make the person to committed suicide because there is no way he can pay back the money than to end his life, which are some of the things loan can cause.

Don't say ill-word or have I'll-thought about loan. Surely people may have predicament on loan as a result of bad dept management, but that doesn't mean you have to discourage others. Life is all about luck and chances some have the opportunity to utilise it well while some didn't have the opportunity to utilise it well which the fault could either be bad management or lack of Focus. But that doesn't mean what happened to me A is liable to happens to mr B. your advice is a kind of misleading.

If you want to live a good life to live long to enjoy your wealth, never you dream of loan no matter the condition you find yourself because it will not help you to grow well like other business men and women in your environment.

Dere you go again zanab247 who says dept will not allow you to grow well like other business? Like I said earlier it depends on what you want to use the loan for. Let me ask you, if you where give an opportunity to take a loan of $1000 to handle a contract that you will spend thesame $1000 and make a profit of $500 and return the initial capital and maybe a small interest of maybe %5 which is $1050 and you making a profit of $450 will you not do such business? Surely it depends on the type of business you do so stop generalising and discourage loan.

[Zackz5000]

If you want to live a good life to live long to enjoy your wealth, never you dream of loan no matter the condition you find yourself because it will not help you to grow well like other business men and women in your environment.

I don't think anybody's dream will be to option for a loan, but if the need arises I don't think is a bad option taking a loan as long as your intention is to increase your credit score or expand your existing business or to start up a small scale business. You may not be able to live  a comfortable life initially because there is a Dept on you that u need to clear up those thinking will come to your mind as human but that doesn't mean that you will not live long to enjoy your wealth, there are business men today that that are living comfortablely most of them started there business/investment from borrowed money low beginning and now most of them have business expansion all over.
So mate don't try to generalized it what doesn't work out for Mr A might work for Mr B depending on there loan intention my self is an example, the business am doing now is from the money i borrowed but  right now the dept is now things of the past and am living a good life . So one intention for optioning for a loan matters alot as long as it is been invested into that which will generate revenue.

[Cryptoprincess101]

This could all be avoided if we just never had debt in the first place

let's face it many people get debts for things they don't really need they just want to buy it but they cant afford it if they were to pay it as of the moment which is something we should really avoid doing

we should already save money, cut on expenses and make budgets before we even get into debts

You are right about not involving in debt at all but what is there is that we do borrow some times not because we don't have money to sort our bills, but for investment purposes. One can get a contract and the nature of the contract may require you to use your personal funds and execute the project before the company or organization will pay you so in that situation, if you don't have money you can borrow in other to clear the project knowing fully well that after the project your money with be paid immediately.

You are correct, but if you find yourself in that situation and you don't have money to execute the contract, don't go and borrow money to execute the contract because such contracts usually take time before they can pay you the money assigned to that contract. If you don't receive the money for the contract on time, you will find it hard to repay your debt when the debt is due for repayment because the money for the contract that made you borrow money hasn't been paid to you. Just allow someone else who has enough money to take the contract so that you will not find yourself in difficult situations or trying to get money elsewhere to repay your debt so that it will attract extra interest.

I understand the fact about what you are stating but it depends on the kind of contract that is being given to you and the calibre of person or organization because my dad was awarded a contract by an oil company in my state before and  he was given a work order and the description of the quality they want the job to be then they reached an agreement that he would be paid after the job have been executed and inspected so he went and borrowed money from a cooperative organization and did the job perfectly so after the company paid him the agreed amount for the job they also added a thank you bonus (extra money) for doing the job to their standards he then repaid the cooperative he borrowed the money from and had some good profits left with him.

What am trying to say here is that you can't just accept a contract that you don't know the capacity of the company or the individual awarding the contract to you and when doing a job for a company or an organization you have to do it to the best standard so that if such a contract becomes available in the future again they can still award same contract to you.

Another thing you need to understand is that life is about risks so when you see some risk that there is every possibility of making profits if you borrow money, do it, if it works you claim the glory and if it also doesn't work you bear the brunt and move on even if it will be hard for you to recover at that material time. If you don't take some certain risks in life you may be stagnant and may not experience any positive growth in life.

[Tmoonz]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

[teamsherry]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

People misunderstand debt to me and I guess that is because they use it wrongly, taking debt to use for personal needs isn't a very good idea especially if you don't have a job or a means to pay back and why I say this is because money is a liability and taking debt is already having an extra expense that you need to cater for, so I preferably like to take loan to use for business purposes or maybe to solve quick problems and I like to also have a back up plan when I take loan

[ancafe]

Loans arent that bad if you do really just that know on where it would really be applied or would really be used because if you do take up loans just for the sake on buying up something or
specifically, on trying out to buy your wants then this is the most dumb decision that you would really be making. Never ever consider on taking up some purchases with loan amounts and it would be
always better that you should really be contented on what you do have and never ever take up some loan just because you are liking something. Having some loans or debts because its been applied in
business then this is something that we can really say that it is really something worth but well not all people do have the same mindset.

Majority of us wont really be that minding that much about as long we are making money our job salary then we would really be that confident on taking up some loan until the time comes that you would
be suffering some debt problems and if you cant really be able to make yourself that get out then it would really be surely a devastating thing. This is why you should really be careful
on dealing with it and as much as possible you should really be avoiding it if its not really that needed.

No one says loans are bad, as long as the loans can be used more productively, however, people often think that loans will only cause problems, even though loans are unproductive in nature. If the loan is taken only to fulfill a lifestyle, that is a problem, but as long as the loan is taken to increase capital in the business, it is not a problem. People must have the courage to get out of their comfort zone and if there is no capital, the steps we need to take are looking for financial sources.

Now there is quite a lot of capital financing in the form of loans and when we want to develop our business we can take the opportunity. The most important thing is that before taking out a loan, we know the potential of the business we are running so that the burden of financing the loan does not become a burden. When this can be controlled, productive loans do not become a problem and can actually help us to develop our business to be more successful.

[stomachgrowls]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

People misunderstand debt to me and I guess that is because they use it wrongly, taking debt to use for personal needs isn't a very good idea especially if you don't have a job or a means to pay back and why I say this is because money is a liability and taking debt is already having an extra expense that you need to cater for, so I preferably like to take loan to use for business purposes or maybe to solve quick problems and I like to also have a back up plan when I take loan

Actually this is indeeed true because on the time that you hare really that making some bad decision on where you would really be making use of these loans then you would really be having that differentiation among two.

When it comes to debt management then of course you would really be needing up that proper consideration on which it would really be just that common sense on where you would really be needing up to put up focus and considerations when taking up some loan on which it would really be worthy on the time that you would really be considering on putting it up on some investment or business rather than on buying up your wants
or something purchasing on shit things that you do like.

You would really be needing up to be wise for you to be able to avoid those possible problems or issues on which you are putting up yourself on potential trouble.
Although its not bad to buy up your wants but it should really be in controlled manner.

[Btcdeybodi]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

Must you take a loan to become successful? Loan hinders a lot of people from achieving their goals in life because instead of thinking of making good use of your money on future investments, you will end up repaying loans that you took in the past. I am not trying to say that loan is bad because I have seen someone who took a huge loan to build a house and reached and understanding with the lender that he will be paying the loan on monthly basis till he clears up the loan. Yes he built the house and moved in with his family but he regretted taking the loan because he barely feed his family because about 90% of his income was used in repaying back the loan regularly. So you can imagine depriving yourself of comfort just because you have a target and you take a loan in the process.

[AnonBitCoiner]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

If you are taking a loan for an appropriate business type then it's okay and with borrowed money you can earn a huge amount of money and can also return the borrowed money on time. But if you are taking a loan for gambling, and other useless activities then you will be in loss and also you will never become able to return this dabt.

You should share the idea of a business with your family and if they give you a positive review then you can take a loan to continue this business but if they are not cooperating then I think you should avoid taking loans because family support matters a lot.

[Riginac111]

At times in someone's life, being credited by a money agencies or people etc is part of the risk one might need to take in life as people has actually built wealth with debt... That means being a good debtor in the first place by applying every possible debt management strategies being reviewed here not minding life's unforseen happenings. BTC business is inclusive..

There are many people who are managing their business with loans, everything is easy if you know the right strategy. In the commercial context, the term business loan refers to the purchase of goods and the payment of the price later. Many times it is difficult to get a loan if the buyer lacks financial stability or has difficulties. Organizations grant loans to their consumers subject to the terms of the purchase agreement. Companies that make loans to their consumers often employ a loan officer.

management of business it is based on your own understanding some persons as you say taking loan to support their business it is based on their own way of understanding the strategies somebody can manage it investment without taking a loan from anyone because it is a personal decision I cannot decide on any businessman or woman to do concerning it business so I believe that business is based on plans

[ultrloa]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

If you are taking a loan for an appropriate business type then it's okay and with borrowed money you can earn a huge amount of money and can also return the borrowed money on time. But if you are taking a loan for gambling, and other useless activities then you will be in loss and also you will never become able to return this dabt.

You should share the idea of a business with your family and if they give you a positive review then you can take a loan to continue this business but if they are not cooperating then I think you should avoid taking loans because family support matters a lot.

What I think not fine there is if you are a starting up business and you take a loan to build your plans since this is really action decision since imagine how big the risk you will trying to get especially that you don't know who are your markets and you are trying to figure out on how to introduce your business to a lot of people so for sure there's a higher chance that you will fail for this and it will be more bad if there's a loan that you need to take care on.

Sometimes our family members doesn't know how to run a good business so sometimes maybe we need a good business coach with this that can guide us and give advice on what are the best thing to do since for sure those people can lead us to became more successful since they are the one who's capable to teach us about proper way handling of our debt and how to handle our business right especially if we face a heavy challenges in life.

[Zackz5000]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

Must you take a loan to become successful? Loan hinders a lot of people from achieving their goals in life because instead of thinking of making good use of your money on future investments, you will end up repaying loans that you took in the past. I am not trying to say that loan is bad because I have seen someone who took a huge loan to build a house and reached and understanding with the lender that he will be paying the loan on monthly basis till he clears up the loan. Yes he built the house and moved in with his family but he regretted taking the loan because he barely feed his family because about 90% of his income was used in repaying back the loan regularly. So you can imagine depriving yourself of comfort just because you have a target and you take a loan in the process.

The man that took a loan to build a house is not a wise man, knowing that he doesn't have a better option to back up without struggling, let me ask what kind of job was he doing at first that made him borrow to build a house?. He took a wrong decision to option for a loan when he doesn't have a strong back up or a good paying job no enough cash flow in such case what do you think will happen to such person.
Instead what he should have done was to use the money since he wanted to build a house he would have build a rented apartment that would have been giving him income back probably monthly or yearly which should have help him pay off his dept without struggling much with his family, or probably invest into what will fetch him more money as time progress.

Loan shouldn't be taken to build a house when you dont have a good cash flow instead you invest into Bitcoin or even land which appreciate value in time coming or business a lucrative one that will generate income for him.

Optioning for a loan is beneficial if we use it strategically in what that will generate more cash flow, taking loan to invest in business is different from using it for consumption purpose or a none income producing asset .

[Proty]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

Must you take a loan to become successful? Loan hinders a lot of people from achieving their goals in life because instead of thinking of making good use of your money on future investments, you will end up repaying loans that you took in the past. I am not trying to say that loan is bad because I have seen someone who took a huge loan to build a house and reached and understanding with the lender that he will be paying the loan on monthly basis till he clears up the loan. Yes he built the house and moved in with his family but he regretted taking the loan because he barely feed his family because about 90% of his income was used in repaying back the loan regularly. So you can imagine depriving yourself of comfort just because you have a target and you take a loan in the process.

The statement that loan hinders some people from achieving their goal is quite wrong , many people take loan to acquire asset which they end up acquiring liability in form asset. When u are able to understand the difference between and asset and liability, them you use your loan money to acquire  an asset instead of liability that when you will get to know the benefit of taking loan.The man u just cited , acquired liability in form of an asset. Assuming the man decided to put the house for rentage , automatically he would have had an asset. Just like taking loan to get  a car for your personal use or to buy shitcoin. All these are liabilities in form of asset.

[Tmoonz]

I have seen so many replies implying that taken a loan is bad I will like to say that it is normal for anyone to express him or herself but generally, there are different kinds of loan and different reasons why people takes loan. But however, everyone has to stick to whatever you feel will work for you. To me, what is obtainable is that out of 100% of people that are involved in loan 80% are successful.

Must you take a loan to become successful? Loan hinders a lot of people from achieving their goals in life because instead of thinking of making good use of your money on future investments, you will end up repaying loans that you took in the past. I am not trying to say that loan is bad because I have seen someone who took a huge loan to build a house and reached and understanding with the lender that he will be paying the loan on monthly basis till he clears up the loan. Yes he built the house and moved in with his family but he regretted taking the loan because he barely feed his family because about 90% of his income was used in repaying back the loan regularly. So you can imagine depriving yourself of comfort just because you have a target and you take a loan in the process.

Your naratives are short sighted and you have failed to understood my point I was only trying to say that out of 100 percent of people that took loan in real life 80 percent made success from it , you don't have to be in a hurry to forget that it will take the man a more longer period of time before saving up to build the house and their must be an increase in the cost of material goods for the building as per how long it could have took the man to build that house it is a good that he is paying back it will only take time  but definitely he is going completely paying his debt and the reason why he took the laon was accomplished, any ways taken loan is not for everybody it is only for the large hearted who are much ready enough to do that. Any one can do whatever they like.

[Btcdeybodi]

Must you take a loan to become successful? Loan hinders a lot of people from achieving their goals in life because instead of thinking of making good use of your money on future investments, you will end up repaying loans that you took in the past. I am not trying to say that loan is bad because I have seen someone who took a huge loan to build a house and reached and understanding with the lender that he will be paying the loan on monthly basis till he clears up the loan. Yes he built the house and moved in with his family but he regretted taking the loan because he barely feed his family because about 90% of his income was used in repaying back the loan regularly. So you can imagine depriving yourself of comfort just because you have a target and you take a loan in the process.

The man that took a loan to build a house is not a wise man, knowing that he doesn't have a better option to back up without struggling, let me ask what kind of job was he doing at first that made him borrow to build a house?.

He was a senior civil servant in government so his income comes regularly but I don't understand your point of saying that he doesn't have better option of backing up his struggling or are you talking about having another source of income apart from his civil service work?

The statement that loan hinders some people from achieving their goal is quite wrong , many people take loan to acquire asset which they end up acquiring liability in form asset. When u are able to understand the difference between and asset and liability, them you use your loan money to acquire  an asset instead of liability that when you will get to know the benefit of taking loan.The man u just cited , acquired liability in form of an asset. Assuming the man decided to put the house for rentage , automatically he would have had an asset. Just like taking loan to get  a car for your personal use or to buy shitcoin. All these are liabilities in form of asset.

Are you being serious right now? How can you refer to a house as a liability in form of an asset like I don't understand. If he decides to sell the house so you think he can't sell it more than the amount he used in building it? I think you need proper understanding about asset and liability.

Your naratives are short sighted and you have failed to understood my point I was only trying to say that out of 100 percent of people that took loan in real life 80 percent made success from it , you don't have to be in a hurry to forget that it will take the man a more longer period of time before saving up to build the house and their must be an increase in the cost of material goods for the building as per how long it could have took the man to build that house it is a good that he is paying back it will only take time  but definitely he is going completely paying his debt and the reason why he took the laon was accomplished, any ways taken loan is not for everybody it is only for the large hearted who are much ready enough to do that. Any one can do whatever they like.

You have a point actually but did he really need to go through such discomfort simply because he wants to meet up a target? like the family was suffering as a result of the decision he took even though they have a home of their own now.

[Tmoonz]

, ,

Your naratives are short sighted and you have failed to understood my point I was only trying to say that out of 100 percent of people that took loan in real life 80 percent made success from it , you don't have to be in a hurry to forget that it will take the man a more longer period of time before saving up to build the house and their must be an increase in the cost of material goods for the building as per how long it could have took the man to build that house it is a good that he is paying back it will only take time  but definitely he is going completely paying his debt and the reason why he took the laon was accomplished, any ways taken loan is not for everybody it is only for the large hearted who are much ready enough to do that. Any one can do whatever they like.

You have a point actually but did he really need to go through such discomfort simply because he wants to meet up a target? like the family was suffering as a result of the decision he took even though they have a home of their own now.

Trying to be too comfortable in your present state is one of the reasons why some people are not growing or making an improvement in their liife, there is nothing absolutely wrong in making a future plan as to this regards, the man had a target and worked towards and it was achieved which is the most important thing, that's even reminds me your naratives was exactly that of my father's experience when he was in active service now he is a retiree, yes it wasn't easy but we managed and the target was achieved.

[Alone055]

Your naratives are short sighted and you have failed to understood my point I was only trying to say that out of 100 percent of people that took loan in real life 80 percent made success from it , you don't have to be in a hurry to forget that it will take the man a more longer period of time before saving up to build the house and their must be an increase in the cost of material goods for the building as per how long it could have took the man to build that house it is a good that he is paying back it will only take time  but definitely he is going completely paying his debt and the reason why he took the laon was accomplished, any ways taken loan is not for everybody it is only for the large hearted who are much ready enough to do that. Any one can do whatever they like.

Home loans and other loans taken for personal lifestyle growth can be beneficial just like how you described it because the prices of properties or material goods tend to increase over time due to inflation, and a loan can save you from that as you get to own your house, car, or anything you are taking the loan for. However, managing these loans is way more difficult than a lot of people might think.

If someone is using an official channel for the loan such as a bank, they will need to be a salaried person or a business owner. Banks don't give loans to people having no proper source of income which is better because those who aren't earning money or have any job or business would barely be able to manage debts in a good way because they won't be able to repay them on time.

So even if such a person wants to own a house to get rid of rent, have a car to drive around without any hassle, or get something that they need in their life, loans aren't the way for them to go because they will first need to build the base to be able to make use of this feature towards upgradation.

[passwordnow]

Trying to be too comfortable in your present state is one of the reasons why some people are not growing or making an improvement in their liife

Pardon me if I'll step in but your discussion are interesting for me.
They say that don't stay on your comfort zone so that you're going to improve. It's true that comfort is addictive but if it's about with such situations that will help you to improve your life with so many things including debt management and financial knowledge, you need to make a choice now or you'd suffer tomorrow. It is so true that one won't make it and won't grow if he stays where he's comfortable but I can't blame them to that because even I, I'd choose comfort than any other challenge.

The statement that loan hinders some people from achieving their goal is quite wrong , many people take loan to acquire asset which they end up acquiring liability in form asset.

There is a lot of misconception about loans. While the responsible ones are the people that you're describing. But it's not going to stop for those people that are taking loans for their leisure and pleasures. They think that they'd earn the money soon and that's fine to take an advance with some interest on it.

[JayJuanGee]

The statement that loan hinders some people from achieving their goal is quite wrong , many people take loan to acquire asset which they end up acquiring liability in form asset. When u are able to understand the difference between and asset and liability, them you use your loan money to acquire  an asset instead of liability that when you will get to know the benefit of taking loan.The man u just cited , acquired liability in form of an asset. Assuming the man decided to put the house for rentage , automatically he would have had an asset. Just like taking loan to get  a car for your personal use or to buy shitcoin. All these are liabilities in form of asset.

Are you being serious right now? How can you refer to a house as a liability in form of an asset like I don't understand. If he decides to sell the house so you think he can't sell it more than the amount he used in building it? I think you need proper understanding about asset and liability.

Sometimes we throw out some of the various terms without really putting them in a very good context in terms of how money might be used and whether it might be considered a productive asset or a consumptive asset, or whether it might appreciate or depreciate in value relative to other assets and/or relative to cash - including that there can be periods of time that some assets or cash perform well, and other times that they do not perform very well.

Of course, something like a house can involve a lot of liabilities in terms of maintenance costs, taxes and other possible fees - including potentially having to insure it because of its physicality - while locations make differences in regards to these matters too, including the kind of neighborhood that it is in that could unexpectedly end up affecting its value in one direction or another based on what others are doing in the neighborhood.

Surely, a house has a utility value that comes from being able to live in it and having some autonomy over it that may well not come from a rental situation, yet at the same time houses do not always go up in value, including problems with macro dynamics that involve bubbles and even sometimes some of the seeming manipulations that might happen in housing - so surely in all cases, we cannot necessarily consider housing to be an appreciating asset or even a desirable asset in some circumstances in which markets might get perverted based on political or economic dynamics.... yet that does not necessarily mean property ownership is not a good thing or that it would not be a good idea to borrow in order to acquire and/or accumulate property... even though there are possibilities of getting burned on it.

We have a lot of examples in recent times in which folks who are not able to get loans might never be able to save enough to buy a house, and similar dynamics have happened historically, and houses might not be the ONLY kind of higher ticket item in which there are advantages to use debt to get it earlier rather than later, even if there could be some ways in which the house might not really be appreciating in value greater than if they money had been invested elsewhere - even with buying a car, there could be some questions about the car being a depreciating asset, yet there could also be ways that the car helps to increase income and/or productivity in such ways that the car mostly ends up paying for itself - which truly is not always the case with all kinds of cars that people buy, including sometimes they buy extra cars that might not have much if any utility value.