Your method is wrong. No debt, then invest is the best way. You just assume that the job is there and loan is there. I have seen people who lost a job and all the debt due makes them lose everything.
Hi Mister yours 7 good & practical Concepts of buildups the solids Funds are very suitable for futures generations. As I had gone through the toughest.harshest & worriedly bad timing but never surrender or gives up. In the beginning of my Medical businesses my mindsets only to survives & stabilising my careers. Later I realised businesses alone needed much longer times to buildups the Wealths. I took advantages of my Bank’s Categories (A) statuses & borrowed 1/2 million $$$ started investing in properties at the same times continued running the businesses. So when I retired my Assets & Funds accumulated more than Millions considered very Lucky.