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I stay as debt free as possible which means zero debt other than a small mortgage that I have more than enough cash to pay for a few years if I lose my job. If I don't lose my job, the cash will go to purchase another foreclosed property. My wife and I have purchased 4 homes that way so when we sell the one we are in now, we won't have a mortgage and will basically be able to build our dream house with cash. Some small investments in various stock accounts. Very small amounts actually. And a bit of physical precious metals. I'm most interested in stability for my family as my #3 and #4 son are still young. When they move out on their own, I'll hit the risky stuff pretty hard. I have lots of ideas....