Replies

Again, you do with our money what you want.

You seem to imply that you with your HELOC and any other misc. debt you might have in your portfolio is the only one in this discussion that envisions inflation in the future.

You also seem to imply that those of us that make it a priority to achieve a debt free existence and resist the urge to borrow against our home are not saving and investing. Do you think that the hard work and sacrifice that leads one to pay off everything prior to retirement leads to a sudden mismanagement of income once debt free?

Respectfully, I believe you misread me when you say that "you seem to imply" that those who disagree with me and pay off debts aren't saving and investing. In fact, regarding people who emphasize being debt free, I posted phrases like "I get that" and "IMHO" and "people who do that are better off than most people", all 3 of which are in the post you're replying to and many more in other posts from me in this thread. I'm simply having an open discussion that perhaps in the drive to pay off debt we also make sure we don't do it to the detriment of not investing enough in growth to offset inflation.

And to be honest, I probably made too much of your phrase "huge mistake to retire with any debt" (which I took as a slam against my strategy) because you did preface it with "I personally think...". Which should have been enough to inform me that you're having an open and respectful discussion as I am. For that I apologize.