I think it depends. If you can earn more than you are borrowing, I think it's decent but I do think that the loan should be something reasonable that they could pay off. I am also more of a fan if it's a fixed rate loan because at least you know how much you got to pay. However, I do agree that it's a double edged sword and you have to be very careful.
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Even if we can pay back, we must be careful with it as it can prevent us from saving and building our portfolio