I always find it interesting when I discuss using debt. It’s a subject most of us are very passionate about. Some such as Adam Baker (from the wonderful ManVsDebt) really believe in an elimination of debt while others like my M35 partner believe in using leverage. I personally find somewhere between those 2 point of views. I thought I would discuss my point of view today to get your opinion but also because it obviously has a major impact on most of our retirements.