I'm sure there are agents and investors with deeper insights, but for most of us, a consistent, long-term approach—similar to dollar-cost averaging when investing in index funds—seems like the most practical strategy.That being said, I am also interested to hear what others have to say though, so thank you for the post!

I'm on Instagram and literally everyone is a real estate or investing (usually stocks/index funds) expert.

As for getting a HELOC, it's prime + index (fluctuates based on the market), so to answer your question, if you are able to qualify by yourself, then it's always a better option to get a loan solo, then use your spouse's income as a backup for future investments. 

We also don't like to be too heavily indexed in real-estate in our total net-worth.What would you do?

I'm of the opinion that index funds are a better investment unless you are really hands on.

Index funds will outperform cash purchased real estate in stagnant, low to no population growth markets. 3.

The DOW and S&P are adding crypto indexes in 2021.Paypal is speeding up their global crypto platform rollout, is expected to now launch Q1 2021. 

In 1997 Dutch economist Piet Eichholtz build a price index of houses on the Herengracht with a constant quality from 1628 until 1973.

As much as I hate annuities, you might speak with an annuity agent about the employer awarding a bonus in the form of a single premium deferred annuity invested in index funds and that you do not have the right to access until a date certain and then a full payout over time.

NCREIF produced the first property level return index, the NCREIF Property Index (NPI), dating back to 1978 tocapture investment performance records that meet the rigorous scrutiny and review of major investors and academia.What is the NFI-ODCE?