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Yeah, it turns out you need to put something on the line to have a huge reward.

To me, home equity is a game changer for this discussion. the ability to open a HELOC and have access to a massive amount of capital is a gateway to real wealth thru various investment vehicles - not the least of which is investing in further real estate.. which will accumulate more equity itself etc..




As I said in the other comment not that huge compared to alternatives with much less troubles:

https://news.ycombinator.com/item?id=36823558




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