Raybyrnes. I have great financial advisors, but at the end of the day I take advice from me. Frankly, now that I am where I am, I am much more conservative. I don’t need to leverage my money/income. I am almost a cash n carry kind of guy now. I carry absolutely no debt other than a mortgage. I pay cash for cars, vacations, furniture, electronics, everything. And, eventually, I intend to carry no more than the maximum mortgage I can get a tax benifit from ($1M).

It is just how I like to live. Without worriying about paying a debt and having enough $$ in the bank to pay off all debt, and have enough left over to be jobless if I needed to be and still maintain my lifestyle. There are so many wealthy people in the world, but only a minority of them are finacially independent. I still consider myself a slave to my job, but I am getting there. I could “look” richer I suppose, but I would be less financially independent to get there. That is not where I want to go.

I am not rich, but rich enough for my taste. My wealth is growing despite my contrarian non-leveraged stance. That is good enough for me.

If I find an arbitrage opportunity, I do take it, but I don’t look for one.

I am the kind of guy who has always strived to be the dumbest person in the room, the poorest in the neighborhood, and the lowest paid in my job. As you get smarter, more successful and richer, you have to try harder to surround yourself with people smarter, more successful, and richer than you.

Before long, you have become quite successful at being a poor ignoramus.