I don't really see putting your money in an index fund as "gambling" more than buying investment properties Individual stock picking absolutely is gambling though
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The only ways to actually get *income* from your house are to sell it (then you have to move) or rent it out (now you're a landlord) Or, I guess, extract value from the property by running a business on it or growing food there or something
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When most people think about equity in their house as an investment they're thinking about taking out loans or a HELOC or whatever That's not income, that's going into debt, and thinking of it as income is very dangerous and got our economy where it is today
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