Recession proof leverage?

[Joe LeGolvan]

Hey I’m new to using leverage, but not new to real estate investing. I’ve been a long time cash buyer and Dave Ramsey listener. But I’m seeing the flaws in this mind set for people who are financially disciplined and know how to use debt in a responsible way. I’ve just recently started using leverage to scale my portfolio to an earlier retirement. Of course nothing is full proof but I’ve been trying to stay around 50% Loan to value on all my properties. Of course this does not mean I have all of them 50%. (Some more some less.) but overall 50% I’m wondering if some of the more veteran investors could comment on this philosophy. My goal is financial freedom like most, if I use more leverage I could get there several years earlier, but I also like to sleep at night. Of course everybody is different but wondering some general opinions if people think this is too conservative. Thanks much appreciated.