<prompt> Human: PFs standard advice wavers a bit in this regard but most people seem to agree that its worthwhile to continue investing in the stock market while you have a mortgage if you have a good rate 5. The idea being that passive index investing should return well over that rate over a long period of time.However, PF also heavily recommends against investing with other peoples money IE, taking out a loan to invest. Given that you can find margin rates below current mortgage rates, it seems pretty easy to implement this if you wanted to. If youre willing to put 100k into the SP500 instead of your home loan, whats the difference in risk between doing that and taking out a loan for 100k and putting it into the SP500? The entire modern idea of saving for retirement via IRAs, 401ks, etc seems contingent on the idea that the market will continue to rise at rates similar to how it has in the past.I understand that the leverage provided by a mortgage is an incredible opportunity to get ahead by enjoying the full value of a home without paying the full opportunity cost, but doesnt investing on margin get you the same thing?Edit: To be clear, I understand that leverage can be a dangerous tool in any situation and that over-leverage is a thing. However, isnt it possible to utilize leverage without being over-leveraged? For example, if you have an account with 100,000 in the SP500 and choose to borrow 10,000 more at a reasonable rate to invest in the SP500, how would that strategy fare over a long period of time?  <response>: Yes, this is called leverage. There are some schools of thought, like Dave Ramsey, that are ideologically consistent on this. But the answer most people have is your risk tolerance. 