<prompt> Human: Hey guys,Im kinda new to all of this but I just want to start off by saying Im brutal with finances so any advice would be great advice.A little about myself:Im an MD about to start my fellowship in Vancouver, Canada.I have a 200k line of credit - 130k of which is invested with Scotia McLeod and 70k of which Ive used for medical school. The investments pay me 550 month in dividends - which I use to pay my monthly interest rates. I dont have any other debts other than a car insurance which is 300month. Assume I dont have much in savings either. I have great credit and always pay my bills on time. Based on an income of 67k Canadian year and increasing by 5k every year for the next three years after that Ill be independent and likely making more money I have a few questions:A should I rent an apartment in Vancouver or should I buy? Its just myself - no dependents. If so, what sort of mortgage plans should I be aiming for? B what other suggestions do you have on how I should manage my income in order to optimize my finances.More information is available upon request. Any help is great help. Thanks in advance everyone.  <response>: I have a 200k line of credit - 130k of which is invested with Scotia McLeod You took out 130,000 in debt to invest at a bank that pays 5 in interest a year. This is enormously risky and totally unjustifiable.You should rent, since you have no money. Minimize your debt now so that youre not a slave to your past in the near future. 