To own outright or to leverage
My question is would you rather own the home or property outright with No mortgage or would you rather have a mortgage
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Right now at age 38? Leverage. Ask me again in 15 or 20 years and my answer is likely different. It's not that different than other investments IMO. People tend to be more aggressive (more risk with higher upside) when you've got time to make up for some mistakes and more conservative when you're older. I'm no exception.