I have seen people gone bankrupt during the Asian crisis due to their greed. They borrow money to invest in the stock market or do business. Their loan was pledged against their only home. When the market crashed, their property value plunged, their investments gone and business folded. They had to force sell their home at the worst of times. This is a lesson for me and my family. Never invest with borrowed money, no matter how low the interest rates are. Only invest with money that you can afford to lose and never risk your home. Don't be greedy in trying to get richer. Be content with what you have. Those people who played it safe are now happily retired while those who was bankrupted got divorced and staying in welfare homes.