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I don't disagree with you guys, but to me it's like having $500k in an IRA (or investment vehicle of your choosing) and still carrying a mortgage. People do it all the time and there's nothing wrong with it, just not for me. I know the argument, earn 12% and your mortgage is only at 4%...just not in my blood...to quote every life insurance salesman's favorite radio personality Dave Ramsay, "the borrower is slave to the lender" (I do know that it is in fact a Bible scripture)
I'm a debt free type of person and whether we treat it as such...advances are debt
I'm completely debt free also. I just pay myself each week from business account. It's not like a loan to me.