<prompt> Human: Hey team, long time lurker of this subreddit. You guys are awesome.Ill get right to it. Im 23 years old, college graduate from a top 25 school if that matters, and currently making 45k on my entry level salary with long-term potential of 100k. I have no credit card debts or student loans paid off. I currently have a Roth IRA that I will contribute the max to every year, and a brokerage account with Acorns that I contribute to weekly, along with the round-ups. I plan on switching this account over to Betterment with my Roth once the free 4 years from the student discount expire. I am very much a big picture, long term focused person when it comes to my finances, so Im familiar with compound interest, invest when youre young, etc. I am a very risk-tolerant person as long it can mean increased gains long-term. With that in mind, I had been debating with myself recently about how I could increase my investments to further benefit from long-term gains, and I came across this article from 2010 about young people investing on margin for their retirement.The heart of my question is, as someone who is tolerant of risk and looking to maximize long-term gains, is this a sound strategy to implement? As naive as it sounds, I dont really fear debt, as long as I know its worth it long-term. I paid off a significant amount of student loans, and dont sweat it when the market takes a tumble. I save enough to live on, so I dont worry about losing money in the market on a day-to-day basis. I would invest this borrowed money likely in ETFs or something similar, since I dont feel qualified to pick individual securities. I dont have the minute details worked out yet, as this is still very much a concept Im exploring. Has anyone else done this before? I would love any and all feedback.Thanks.  <response>: The heart of my question is, as someone who is tolerant of risk and looking to maximize long-term gains, is this a sound strategy to implement? Borrowing on margin debt to invest is dumb. Dont do it. 