<prompt> Human: So I have a friend who is trying to get his financial house in order but he has been making some choices that seem a little off the beaten path. None of what he is doing really jives with the things ive been learning on this subreddit. I am also new to the game so i was hoping from some insight form some seasoned vets. 1 He started out well and got a budget going and consolidated his debit. He had 75 thousand in student loans and credit card debit some high interest around 20 and he wrapped that all into his mortgage for one manageable bill of about 275,000. The odd thing was, he decided to go with this scheme to get a first position HELOC, have his paycheck deposited into it , and pay down his mortgage in chunks. From what i gather this will reduce the amount of interest hell pay and he says his house will be payed of in 7-10 years. He say the way the HELOC compounds the interestnot amoratized hell save thousands. This seems like an odd way to do it , but mostly makes sense to me . Im curious how this would compare to just paying extra against your principal.2 Hes getting into legacy wealth building Which from what I gather, Is a type of universal Life insurance that allows you to avoid taxes and is like a savings account that pays you guaranteed 4 interest From what i have read on this sub, universal life is considered overpriced. He says Hell get 96 of his money back in cash value. 3 Now today he tells me hes getting involved in an out of state Apartment complex investment deal in Alabama. He says he is gonna borrow 25,000 to invest in this thing and make 18. I told him this sounds sketchy and he says doesnt care. He sent me some links to this podcast hes been listening to Heads I win, Tails you lose with Patrick Donohoe. I listened to the first episode and honestly it sounded like Two dudes using scare tactics to get you to buy insurance based financial products.Dude just started getting into this recently and from what i see, has gone all in on some stuff i have never even heard about. Am i just be overly cautious ? or is he going down dangerous road ? i mean hes a big boy and he can make his own decisions but it all just seems odd to me.TLDR Friend is making unconventional investment choices. Looking for insight into any blatant scams or pifalls he might be embarking on.  <response>: Just nod your head, smile and be a good friend when it all crashes down.Dont ever take his financial advice though! 