[quote=earlyretirement]I guess the points are over leveraging can cause significant problems and not leveraging at all will never cause you to get ahead.[/quote]This, I totally agree with. I never suggest over leveraged is a good thing. It’s a recipe for disaster. I was just debating the point that CAR tried to make, which is: [quote=CA renter]The one difference I’ve noticed between successful people and unsuccessful people (my definitions, not necessarily mainstream) is that the successful people have tended to avoid debt at almost all costs.[/quote]My point is, you need to take calculated risk and a lot of time, leverage to get you to the point of financial independence.