Congratulations.

I have a mortgage still, but the house is worth a lot more and rented, so that pays for itself.

I also took out another loan for $12K recently, at only 3% interest it seemed silly not to - to buy some land, it's relatively easy to pay back over a 5 year term.

Also I'll be paying back less as fiat just devalues and devalues!

The other option was selling my investments which I think will grow faster than that interest rate.

So it's not really 'debt' if you factor in I could just pay it off immediately if necessary.

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