At your age, I’d say that is a silly thing to do, but it’s your choice.
A home goes up or down regardless of what you owe on it.
Being all in creates a terrible return considering that leverage is available at the cheapest possible rates on your primary residence.
Over time, you may end up with $10 Million, which is great.
However,
If that money tied up in your stucco box was invested wisely elsewhere, you could end up with $15 million.
(I probably don’t know what I’m talking about though)
