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@notb Folks here appear to be very risk averse in relation to debt, but a sensible level of leverage is perfectly fine and preferable.

@notb Assuming you are able to get a job, given your age I would either: - Put it all in your Simplicty growth and forget about it for 15 years. - Use it as a deposit to purchase another new build as an investment property. While paying down the mortgage might sound good and provide freedom...