<prompt> Human: How can paying down debt, saving 401k, etc., ever compete with the leverage brought by a home purchase?20k down on a 500k home, can realistically expect to get gains on the whole 500k? Even if it was only 1, which is very conservative, that is still 5k of gain or 25 ROI, which way outperforms any other opportunity Ive ever heard of? Reality is most people would do even way better than that?I fee like conventional advice to always max the 401k match, etc is misguided because it cannot even come close to competing with the leverage that a bank loan gives you on your own home investment.Am I missing something?  <response>: 20k down on a 500k home, can realistically expect to get gains on the whole 500k? Even if it was only 1, which is very conservative, that is still 5k of gain or 25 ROI, which way outperforms any other opportunity Ive ever heard of? Reality is most people would do even way better than that?The math here is pretty sketchy. 