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@mehrtens Speak to an Accountant (CA(SA)/ACCA in South Africa), debt is not the enemy if you use it correctly, they might advise you to start a company and you’ll be better able to protect yourself in the event that something goes wrong, as well as the tax benefits that come with that as well...

@unbelievable Past performance cannot be used as the sole basis for future performance. Account for a probable range of outcomes through proper analysis and exclude your girlfriends savings, you might break up down the line and she might want her money back and a percentage of the interest...

@tanuki_elex Liquidity issues in the US in particular. Money rotation into crypto as well is also a driver, but stocks and crypto are usually correlated because of their risk ratings. It’ll start picking up again once rates are cut, owing to the weighting that tech has in the ETFS.