@Penny Clark I think you and I have the same philosophy.  

There are many opinions and philosophies on the subject here.

If you need everything right now, you cannot live the Dave Ramsey philosophy. 

It's clear to see that there are as many philosophies as there are investors out there. 

@Anish Tolia my philosophy with most things is less this or that, black or white.

The philosophy Robert promotes is "Identify your Why", & it would be fine if his own why was not the gun to his head (*)The book "how come that idiot is rich" has several good points but two major critical flaws (1) an underdeveloped moment with the rubber band that goes like this: U put the rubber band on your wrist & pull, stretching hard thinking how UR becoming "positive" at gaining pleasure.If rubber band did not break, let go &let it hurt U bad...

People invest a million different ways on here, and you can't argue with the fact that a lot of people have become wealthy both ways.I think most people tend to lean more to your side of investing, and share your philosophy with not having debt in there personal life, but using debt in their business and investing.

Along with a couple more questions about your long term goals, motivation, experience, resources and personal philosophy... 

Most tenant's expect this and if they didn't they will ask around.Our philosophy is to increase rents in a sensible way, for example last year we did 5% which was in line with the increase in wages.

“With that logo, it’s really the philosophy of who we are,” he said.