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<p>[QUOTE=&quot;Danjohnson, post: 2489018, member: 80228&quot;]I&#039;m no expert, self employed and possibly overly mistrustful which has kept me out of the markets. I&#039;ve used the past decade to eliminate debt&nbsp;&nbsp; first and foremost (the best thing I ever did for myself). </p><p><br /></p><p>I own a smaller commercial unit with three rental bays but other than that, have been using the extra cash flow to accumulate a larger percentage of physical than most advisors recommend. I also keep a decent amount of cash in the bank and am prepared to buy in to the markets in the event we get a big correction. </p><p><br /></p><p>I don&#039;t know but I&#039;d say if you&#039;ve got debt, get rid of it first. You might lose some government incentives but you&#039;ll know freedom and sleep better. If you&#039;re already debt free, congratulations! You&#039;re already doing better than most folks I know and you&#039;ve got options, no need to be scared.[/QUOTE]</p><p><br /></p>

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