<prompt> Human: Hello, Im thinking of taking a loan offer of 10,000 to add to my savings and checking thats at 2500 now. I make 4000 monthly and my bills are 1775month. I want to build savings and possibly start investing...if I take the loan my monthly build will be 2000 a month for the next 3 years. After 3 years my monthly bills will be going down to 1250. Basically Id like to know if this a horrible idea to build a large nest egg while making my debt to income margin smaller?  <response>: Taking this loan would make your debt to income worse. The loan isnt income, its debt. You are also paying interest to have a bigger number sitting in your account. This is an awful idea with no upside. 