[rwest]

I'm debt free, own my house, two cars and tons of other crap I really don't need!

I'm also pretty risk adverse, so my mental happiness at being debt free is much more valuable than trying to leverage loan money into a better return.

My "rule" now is that I would take out a mortgage or car loan if needed, but if I want some toy or gadget, that must be cash or zero interest financing.

I admire those who take the big risks and they deserve their earnings, of course many also lose everything trying.