Has anyone ever heard of doing the same thing with Indexed Universal Life insurance policies?

Other than that I don't need any debt.It depends on your goals and needs at the time.100.yes and every debt is different, If I do have six cars I have 0 car debts, 0 student loan.But when I'm having 1 mil buying power, I would maximize it to 80% LTV into many asset class (Cash flow, apreciation,syndication,non-real estate, index arbitrage),etc that generates 5-15% cash-flows.I don't mind increasing positive debt because all these assets are appreciable assets. 

@Steven Hamilton IILike many items in the tax code the $600 threshold should be indexed for inflation, not sure how long it has been at that level, but it sure is easy to exceed it.

Most investors are reasonably confident they can beat 3% annual return; even something simple like a total stock index mutual fund will on average net you 6-10%.

Between the fact that my returns have come down to about what I could get with a REIT index fund since the property price has appreciated significantly, and this kind of crap in an increasingly liberal political environment, I'm really wondering if I wouldn't be dodging an eventual bullet by getting out now.

If you don't want to invest in real estate, index funds are very popular for passive investors.

I've grown accustomed to investing in index funds and maxing out my roth IRA each year and trying to jump into my first rental property.

I paid attention to the details (pull-out chrome faucet, USB charging station, light aqua paint, vintage cabinet pulls, LED lighting with a high color rendering index on a $12 dimmer) and didn't spend a huge amount on countertops.  

This is mostly because I have seen my house outpace every stock/index fund/etf etc. out there, and in less than 3 years, has gone up nearly 50% in value.

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