I've never seen 90% in 7 years of real estate, let alone in a market where the treasuries are at 20-year highs.

Now you repeat that process until it's paid off.Disadvantages:It took a while for me to set up.Bank account is always low, lol.People can spend a lot with that amount of credit.People think I'm weird when I tell them DId you analyze what would happen if you moved all of that money you were using to pay off a heloc, not get a heloc and put that money in a treasury or other type of account that got you 6% interest or invest in an ETF or something lower risk?

You might check with your Self-Directed IRA Trust Company/Custodian, they might have a brokerage connection capability where you can setup a brokerage account tied to your IRA, then you can with that brokerage to invest in various public market investments, in some cases stocks, mutual funds, ETF's, treasuries, and CD's.

One of those “safe” assets are US Treasury bonds.

While you are figuring it out and/or deploying it over time, US Treasuries and certain CDs are paying 5%...and 4% for certain online savings accounts.

We are also going to see rates start to trend down once the 10 Year treasury start to adjust down.If you have any questions at all or need to pick a Baker's brain feel free to reach out!

A lot of the US market - housing, stock, treasuries, etc - is basically a legal money-laundering location for honest or ill-gotten gains in the rest of the world, because the markets are open to foreigners and as close to a guaranteed safe haven as can be found.

However, because the Department of the Treasury recognizes that reporting companies may need additional time to comply given the period when the preliminary injunction had been in effect, we have extended the reporting deadline as follows:Reporting companies that were created or registered prior to January 1, 2024 have until January 13, 2025 to file their initial beneficial ownership information reports with FinCEN.

I took a quick look, @Torianne Baley:1) With short-term treasuries now paying around 4.5%, guaranteed by the USG, why would anyone loan to you at 5%?

Put it in a short term treasury fund while you take a few months to read a dozen books from both the biggerpockets.com and bogleheads.org websites.