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whats up you guys its Graham here so lets cover something that continues to get brought up here on the channel especially recently after some of my income breakdown videos and that is the fact that I actively try to borrow as much money as I possibly can to go and invest with and buy real estate with like ideally I want to spend as little of my own money out-of-pocket as possible and I dont make any effort whatsoever to try to pay down any of my current mortgages more than I absolutely need to now some people get it and understand the bigger picture of what Im doing but anytime my videos get pushed out to an audience that isnt familiar with the concepts of investing or more specifically investing in real estate I end up getting a rather intense reaction that Im setting myself up for bankruptcy or I must have forgotten what had happened in 2008 or I should go and read up on Dave Ramsey who took out loans to buy real estate and then lost everything and filed for bankruptcy but I