“My parents did it your way. They ended up losing a ton of money in the stock market crash of 87. Then my father lost his job during Aerospace downsizing a couple years later. The result, well, let’s just say I saw the sheriff nailing the foreclosure noticing on the tree out front of the biggest house in the neighborhood: ours. I won’t do that to my kids, period. They will always have a house to live in. Our house is not an investment vehicle whether you find it silly or not.”

Happened to me as a kid twice. By 40 I’ll have a cabin in Arrowhead and the primary paid for.