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@resjudicata Its basically making money when the stock goes down, it's the opposite of the normal where you make money when your stock goes up.

@hallie4 Given your situation, I guess home is not the highest priority. Like you said you definitely 'can' buy. But I'd suggest the following: Build a bigger corpus first. Your liquid assets seem to be disproportionately low compared to your income. I'd set aside enough for children's future...

@leras Congrats op, glad to see others who get it. The biggest and sureshot roi comes by investing in self, I always say that but everyone in my circle thinks they're the wolf of wall street. If you don't mind, sharing your yearly progression of investment size will help motivate.

@susanitaq8 Then it's all about taxation and how much risk you're willing to take. Compare the post tax returns with liquid funds and pick one. If you are willing to take more risk, explore other debt categories.

@susanitaq8 The correct answer is: "it depends", on your tax bracket, how far away your goal is.

@kenm Yeah that's true. For loan vs pay calculations I usually assume 2-3% less returns for lumpsum vs sip to account for sequence of returns.

@claudiaspollen Tldr; take a loan only if the effective interest rate is less than post tax returns from other investments. Isn't that common knowledge ?