[spanna]

except things aren't always so straightforward, and spending money doesn't guarantee additional growth - if it was that easy we would all do it and all be millionaires

what if your investment had collapsed - remember investments can go up or go down suddenly your still on 50k with increased debt, what if you lost your job and only managed to get a new job at 45k

What you are showing is what happens if it works .. if it doesn't work then you find yourself up the proverbial creek

a bit like all those of us who bought endowment mortgages in the 80's - it was seen as stupid to pay off the money you owed, it was a much better idea to invest the money and then pay off your mortgage with the massive profit you would make and then walk away with a cash lump sum ..... of course then the endowments stopped performing and people were left with underperforming endowments that wouldn't clear their mortgages