Would you want a million in bank debt? Most people say no. But debt on its own doesn’t tell you anything. If that €1m in debt is backed by €2.5m in property, you’re not broke. You’re up €1.5m. When you’re scaling, your assets and liabilities move together. When the market rises, it can magnify your returns. When it falls, it tests your nerve. This is why serious investors track net worth, not just income. Debt isn’t the enemy. Uninformed debt is.
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