[quote=moneymaker]
Probably should have used 3.6% in above example for mortgage and investments for a doubling of disparity.[/quote]
I am highly skeptic that mortgage was the reason for the disparity. After all, it is backed by an asset that is appreciating faster than inflation. I would think the mass “invest” more into depreciating assets such as car loan, credit card purchase (include home remodeling) and most likely student loans fit into this category as well. Yes, investing in yourself could be a depreciating asset especially if you go after “do what you love” type of liberal arts education.
