What are some things not to do with OPM?

[Toby Bounnarpha]

i'm 21 and I have never taken out a loan. Taking out 100k and up is like taking a car and ramming a wall to me. what are some do and don't with OPM. how did you get OPM? what was your biggest mistake using OPM?

[Immanuel Sibero]

@Toby Bounnarpha

OPM is neither good nor bad. It's how it's used. It's a sword with two edges. It makes good things better and bad things worse. So find a good thing first, then use OPM to get it.

Cheers... Immanuel