the thing is, if i have 1 million that is all mine, i better have a house paid off, car paid off, no debt, and no money worries at all. if not, those get paid off. hard to tell this to some people, and that's fine. but that's me now. it is sad to watch the 20 year old lose 10k every year for 40 years and still think he is the best trader as he gives his mom 200 for rent, that he borrowed. lol