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Once again, it's time for the FNGT!

If you don't know how this works, . That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then .

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

I suppose there is some way that you could exploit that appreciation over the interest but then you would have to find another car!

And my house value to me is basically in the fact of having a home to lay my head in, the monetary value that it holds will matter to my kids a lot more than me, after I am gone off this mortal coil

[–] • 0 pt

Oh, I won't ever really benefit much from this. It's just more numbers on my net worth. I will literally never need to liquidate these assets.

In fact, even spending what I have been spending, I'm still making more money than I spend. Well, on paper I am... I don't actually convert much of it to money. Money is a liquid asset and I don't need much in the way of liquid assets. If I need money, it's cheaper for me to take a loan and spend someone else's money than it is to spend my own.

[–] • 0 pt

I think it's works out to be cheaper for everyone when they spend other peoples money

Well except for the person who's money you're spending!

[–] • 0 pt

It depends on your credit, really. They know I can pay back any loans, so my interest rate is at the most, for most loans, less than 4%. It's often lower.

If you have shitty credit, you'll have like an 18% interest rate (more on a credit card). So, if your assets are making 7 to 13% and your credit's interest rate is higher than that, it's best to spend your own money.