Hey Ohiodale, thanks for your comment. You’re mathematically correct! However, according to your logic, people should borrow against their house in order to turn around and invest the money – it would make the most mathematical sense. Why do people hesitate to do that? I think it’s because they feel the risk when it is framed that way. Again, your mathematically correct, but my conviction is that money isn’t all about the numbers – it’s about behavior too.
I really appreciate your thoughtful comment, and would love to see you participating in the comments more in the future! God bless!