Actually, depending on where you live, now could be a great time to refinance your mortgage or take out a second one.

Look into the concept of leverage sometime.

I think I've worked out the concept of leverage, but thank you for the attempt at eduction. On a similar note I could make similar comments about risk versus reward and the fact that very few greater-than-inflation strategies will come with any guarantees. Sure, you can use leveraging to buy 5 rental properties instead of only one or two cash. But that's not what the article talks about.

It's not about how to allot your surplus millions, but about dealing responsibly with the income and the debt that most ordinary, middle class people have.

If you honestly think that leverage hasn't become an overused tool in our society, you're simply not paying attention.

On a side note, based on your tone, I'm guessing that your username is based on how people refer to you. Cool it.