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	<title>DannyNelson.com</title>
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	<title>DannyNelson.com</title>
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		<title>Danny Nelson&#8217;s 2026 Economic Outlook</title>
		<link>https://dannynelson.com/danny-nelsons-2026-economic-outlook/</link>
					<comments>https://dannynelson.com/danny-nelsons-2026-economic-outlook/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Mon, 12 Jan 2026 19:37:55 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=4161</guid>

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						<div class="et_pb_blurb_description"><p>What I believe about 2026:</p>
<ul>
<li>Nobody's forecast will be accurate.</li>
<li>Something will happen nobody could have predicted.</li>
<li>The future is inherently unknowable.</li>
<li>Things that never happened before happen every day.</li>
<li>You can't beat the market. If you did, it cost you too much.</li>
<li>The biggest winners in 2026 will be those with sufficient margin for error.</li>
</ul>
<p>That doesn't mean we shouldn't participate in the market or that we should live in fear.</p>
<p>Quite the opposite.</p>
<p>I believe you should build a stong financial foundation using the Capital Reserve Strategy (CRS) upon which you can build a solid investment strategy.</p>
<p>The strength of the CRS will allow you to be resilient and benefit from periods of market volatility.</p>
<p>In other words, you will no longer lose sleep over market volatility. Rather, you will get excited knowing that market volatility is an essential part of your strategy.</p>
<p>How? The CRS situates investors to build margin for error into their risk profile. It does this by establishing safe assets that guarantee tax-free uninterrupted compound growth.</p>
<p>Interested?</p>
<p>Your next step should be to download my free e-book, <a href="https://dannynelson.com/the-7-lies-you-believe-about-money/">The 7 Lies You Believe About Money</a>.</p>
<p>It will open your eyes to the real financial environment we all operate in and give you the opportunity to strenthen your mindset about money.</p></div>
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		<title>What&#8217;s the plan if the plan doesn&#8217;t go as planned?</title>
		<link>https://dannynelson.com/whats-the-plan-if-the-plan-doesnt-go-as-planned/</link>
					<comments>https://dannynelson.com/whats-the-plan-if-the-plan-doesnt-go-as-planned/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Mon, 17 Nov 2025 15:29:34 +0000</pubDate>
				<category><![CDATA[Unsolicited Advice]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3881</guid>

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						<div class="et_pb_blurb_description"><p>&#8220;A plan is only useful if it can survive reality. And a future filled with unknowns is everyone's reality.&#8221;</p>
<p>-Morgan Housel, <em>Psychology of Money</em>, p 63</p>
<p>Danny's take: This is not an absolute statement, but it makes an important point. We often make plans without considering 2nd and 3rd order consequences. We also don't ask, &#8220;What could go wrong?&#8221; and &#8220;What's the worst outcome of this plan failing?&#8221; And, importantly, &#8220;Can I live with this plan failing?&#8221;</p>
<p>There is certainly value in planning even when the plan doesn't go a planned. But we should also be thinking about a plan for if the plan doesn't go as planned.</p></div>
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		<title>THE most important concept in personal finance</title>
		<link>https://dannynelson.com/the-most-important-concept-in-personal-finance/</link>
					<comments>https://dannynelson.com/the-most-important-concept-in-personal-finance/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Mon, 17 Nov 2025 13:27:04 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3722</guid>

					<description><![CDATA[What is THE most important concept in personal finance? I reveal the answer in the video&#8230;]]></description>
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<p class="wp-block-paragraph">What is THE most important concept in personal finance? </p>



<p class="wp-block-paragraph">I reveal the answer in the video&#8230;</p>



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		<title>From Coast-to-Coast Strategy to Trash-Talk Battles: Our Ticket to Ride Tradition</title>
		<link>https://dannynelson.com/from-coast-to-coast-strategy-to-trash-talk-battles-our-ticket-to-ride-tradition/</link>
					<comments>https://dannynelson.com/from-coast-to-coast-strategy-to-trash-talk-battles-our-ticket-to-ride-tradition/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Sat, 08 Nov 2025 16:16:36 +0000</pubDate>
				<category><![CDATA[Stuff I Use & Recommend]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3852</guid>

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					<div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img fetchpriority="high" decoding="async" width="1500" height="1500" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/251031ticket-to-ride.png" alt="" srcset="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/251031ticket-to-ride.png 1500w, https://dannynelson.com/wp-content/uploads/sites/10/2025/11/251031ticket-to-ride-1280x1280.png 1280w, https://dannynelson.com/wp-content/uploads/sites/10/2025/11/251031ticket-to-ride-980x980.png 980w, https://dannynelson.com/wp-content/uploads/sites/10/2025/11/251031ticket-to-ride-480x480.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1500px, 100vw" class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone wp-image-3854" /></span></div>
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						<div class="et_pb_blurb_description"><p>There’s something deeply satisfying about sitting down at the table, spreading out the <em>Ticket to Ride</em> board, and feeling that familiar mix of anticipation and excitement. It’s not just a game for me—it’s an experience and, honestly, one of my favorite ways to connect with my son, Thomas. But before I get to him, I should start with what first hooked me: the thrill of building and dominating a network of train routes.</p>
<p><a href="https://amzn.to/4qDegPC" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p>
<p>From the moment the game begins, <em>Ticket to Ride</em> hits that perfect balance of strategy and simplicity. The rules are accessible, but the decisions are meaningful. Every turn brings a tension that feels almost elegant: collect more cards or claim a route before someone else snags it. Build that short connection now or gamble on drawing the color you need for claiming the longer—and far more lucrative—route later. And threading those choices together into a continuous train network that stretches from Coast to Coast? That’s the magic. I love the challenge of crafting a seamless route, not only for the satisfaction of seeing it take shape but for the sweet payoff of those extra points at the end. There’s nothing quite like it.</p>
<p>But as much as I enjoy the strategy, the real joy comes from who I play with. Nearly every game I’ve played in recent years has been against my son, Thomas. If you met him in any other setting, you’d notice right away that he’s kind, gracious, easygoing—the type of young man people naturally like. But once <em>Ticket to Ride</em> hits the table? He transforms. He becomes a trash-talking machine, cracking jokes, predicting his inevitable victory, and narrating your so-called “strategic mistakes” with the confidence of a seasoned sportscaster. And I absolutely love it.</p>
<p>There’s something special about seeing a different side of your child emerge in the space of play—competitive but still delightful, bold but still generous. Even when he’s in full competitive mode, it stays light, fun, and joyful. And every time we play, I feel like we carve out another little memory—another moment of shared laughter, another inside joke, another chance to simply enjoy each other’s company.</p>
<p>In the end, <em>Ticket to Ride</em> isn’t just a board game. It’s strategy, competition, connection, and story—all neatly packed into one colorful, compelling map. And for me, that’s what keeps me coming back.</p>
<p><a href="https://amzn.to/4qDegPC" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p></div>
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		<title>Why Battlesheep Is the Perfect Game for Growing Young Strategists</title>
		<link>https://dannynelson.com/why-battlesheep-is-the-perfect-game-for-growing-young-strategists/</link>
					<comments>https://dannynelson.com/why-battlesheep-is-the-perfect-game-for-growing-young-strategists/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Sat, 08 Nov 2025 15:17:28 +0000</pubDate>
				<category><![CDATA[Stuff I Use & Recommend]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3844</guid>

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						<div class="et_pb_blurb_description"><p>There aren’t many games that check as many boxes for me as <em>Battlesheep</em>. On the surface, it’s a simple board game about fluffy little sheep spreading across a field. But underneath that colorful exterior is a tight, elegant strategy game — one that’s become a cherished part of my family life.</p>
<p><a href="https://amzn.to/3Jw733a" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p>
<p>When I think about <em>Battlesheep</em>, I don’t just think about clever moves and tactical grids. I think about sitting around a table with my kids, watching them grow sharper, more confident, and more capable every time we play.</p>
<p>I still remember the first time I played the game. At first glance, it looked lighthearted, almost silly — sheep conquering a pasture one hexagon at a time. But as soon as the board started forming and the movement began, it hit me how important chokepoints were on the battlefield. One wrong placement, one careless division of your flock, and you could cut off your own territory or open the perfect lane for an opponent. That moment — the realization that the board <em>shrinks while possibilities expand</em> — hooked me immediately.</p>
<p>But the truth is, my love for <em>Battlesheep</em> goes beyond the puzzle. The puzzle is great, but the real joy comes from playing with my children. There’s something uniquely satisfying about watching your kids learn strategy in real time — not because you explained it, but because they discovered it. Move after move, game after game, they start to see the board differently. They notice patterns. They anticipate traps. They create traps of their own. They get visibly better, and the game rewards every ounce of attention and creativity they invest.</p>
<p>And then there’s my favorite part: the moment they legitimately outwit me. No pity wins, no “Dad let me win” moments — I mean the moves where they corner me brilliantly, block off half the board, and then look up with that spark in their eyes that says, <em>I did that. I earned that.</em> Watching them experience the satisfaction of victory — that immediate surge of pride and accomplishment — is worth every hexagon of territory I lose.</p>
<p>What makes <em>Battlesheep</em> so special is that it creates these opportunities naturally. It’s competitive, but never hostile. It’s strategic, but still accessible. It’s simple enough for kids to grasp quickly, yet deep enough that adults can’t coast on experience alone. Every match is a clean slate, a new field of possibility, and a chance for someone to surprise everyone else.</p>
<p>For us, the game has become more than a time-killer. It’s a shared experience, a training ground for thinking ahead, adapting, and making the most of limited resources. It’s also a space where my children get to test themselves — against me, against the game, and against their own previous selves.</p>
<p>In a world full of noise and screens, <em>Battlesheep</em> gives us something quieter but richer: a simple board, a handful of movements, and a chance to learn, laugh, and level up together. And for me, that’s the best kind of game.</p>
<p><a href="https://amzn.to/3Jw733a" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p></div>
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		<title>What a Rubik’s Cube Taught Me About Mastery and Life</title>
		<link>https://dannynelson.com/what-a-rubiks-cube-taught-me-about-mastery-and-life/</link>
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		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Sat, 08 Nov 2025 14:31:22 +0000</pubDate>
				<category><![CDATA[Stuff I Use & Recommend]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3828</guid>

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						<div class="et_pb_blurb_description"><p>There’s something beautifully honest about a Rubik’s Cube. At first glance, it looks chaotic—just a mess of colors with no obvious path forward. Most people pick it up, twist it a few times, and give up. But the moment I realized that this little block of plastic wasn’t random at all—that it could be solved <em>systematically</em>, with a learnable, repeatable process—I was hooked.</p>
<p><a href="https://amzn.to/4qCcwGt" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p>
<p>My love for the Rubik’s Cube comes down to this simple truth: <strong>mastery is accessible when you’re willing to learn the parts and understand how they work together</strong>. The cube isn’t about talent. It isn’t about luck. It rewards the person who shows up, studies the patterns, commits the steps to memory, and keeps turning until the colors fall into place. That approach resonates deeply with me.</p>
<p>When I solve a cube, it’s more than the click of the pieces or the final turn snapping everything into alignment. It’s a reminder that almost anything in life—no matter how complex it appears—can be broken down into components. And once you understand the components, the challenge becomes conquerable. That feeling of turning chaos into order through a learned process is powerful. It reinforces something I hold onto: <strong>if I can learn <em>this</em>, I can learn anything</strong>.</p>
<p>Solving the cube gives me a sense of mastery, but not in an arrogant way. It’s grounded, almost humble. It says, “Follow the steps. Trust the process. Keep going.” It’s proof that the world is full of systems waiting to be understood. You don’t have to reinvent the wheel every time you face a challenge. Sometimes you just have to zoom out, find the pattern, and apply what you know.</p>
<p>The Rubik’s Cube has spilled over into other parts of my life more than I realized. It’s shaped how I approach problems—breaking them down, identifying the levers that matter, and refusing to get overwhelmed by the big picture. It’s influenced how I teach, how I communicate financial strategies, even how I set goals. The cube taught me that anything consistent, repeatable, and grounded in principles can be mastered. That lesson shows up everywhere.</p>
<p>When I introduce someone to the cube, especially someone who believes they “could never solve one,” I see a bit of myself in that hesitation. Most people aren’t actually afraid of the cube; they’re afraid of looking foolish or failing at something unfamiliar. But once they see that the path is learnable—that the complexity hides a simple system—they start to believe in their own ability.</p>
<p>That’s what the Rubik’s Cube has given me: not just a fun puzzle, but a philosophy. A reminder that confidence grows from competence. That progress comes from understanding. That mastery is within reach if you’re willing to break things down and learn the moves.</p>
<p>And honestly, that’s a lesson worth carrying far beyond the cube.</p>
<p><a href="https://amzn.to/4qCcwGt" target="_blank" rel="noopener"><img loading="lazy" decoding="async" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/11/buy-on-amazon-1-300x122.png" width="300" height="122" alt="" class="wp-image-3834 alignnone size-medium" style="display: block; margin-left: auto; margin-right: auto;" /></a></p></div>
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		<title>The Sun Was Created On Day 4?</title>
		<link>https://dannynelson.com/the-sun-was-created-on-day-4/</link>
					<comments>https://dannynelson.com/the-sun-was-created-on-day-4/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Wed, 05 Nov 2025 13:43:06 +0000</pubDate>
				<category><![CDATA[Faith]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3807</guid>

					<description><![CDATA[I believe the Bible is the Spirit-inspired Word of God. I recently heard a teacher say, &#8220;The 7 days of creation were 24-hour days and were just like the days we experience today.&#8221; 😬 I'm not saying the days were or weren't 24-hour days. That's not the point here. My point is that the words [&#8230;]]]></description>
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<p class="wp-block-paragraph">I believe the Bible is the Spirit-inspired Word of God.</p>



<p class="wp-block-paragraph">I recently heard a teacher say, &#8220;The 7 days of creation were 24-hour days and were just like the days we experience today.&#8221;</p>



<p class="wp-block-paragraph">😬</p>



<p class="wp-block-paragraph">I'm not saying the days were or weren't 24-hour days. That's not the point here. My point is that the words we use and the way we use them matter.</p>



<p class="wp-block-paragraph">Details matter.</p>



<p class="wp-block-paragraph">The sun didn't appear in the creation order until day 4. So to say that the days of creation were experienced just the way we experience them is dubious at best.</p>



<p class="wp-block-paragraph">There was, according to the Bible, no &#8220;sunrise&#8221; or &#8220;sunset&#8221; on days 1 through 3.</p>
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		<title>Beware the &#8220;average rate of return&#8221;.</title>
		<link>https://dannynelson.com/beware-the-average-rate-of-return/</link>
					<comments>https://dannynelson.com/beware-the-average-rate-of-return/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Wed, 15 Oct 2025 20:26:18 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3730</guid>

					<description><![CDATA[If a stock drops 50% in a year, what % does it have to go up the next year to get back to even? That's right, it has to go up 100%. What's the average of -50% and 100%? That's right, 25%. Pretty impressive! What was the ACTUAL return? $0]]></description>
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<p class="wp-block-paragraph">If a stock drops 50% in a year, what % does it have to go up the next year to get back to even?</p>



<p class="wp-block-paragraph">That's right, it has to go up 100%.</p>



<p class="wp-block-paragraph">What's the average of -50% and 100%?</p>



<p class="wp-block-paragraph">That's right, 25%. Pretty impressive!</p>



<p class="wp-block-paragraph">What was the ACTUAL return?</p>



<p class="wp-block-paragraph">$0</p>
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		<title>Which Curve Do You Want?</title>
		<link>https://dannynelson.com/which-curve-do-you-want/</link>
					<comments>https://dannynelson.com/which-curve-do-you-want/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Thu, 09 Oct 2025 14:09:33 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Pinned]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3725</guid>

					<description><![CDATA[Picture it: you have 3 to 6 months of expenses saved for emergencies. It's your emergency fund. You'll only ever access it if there's an emergency, right? Wisdom dictates that your emergency funds stay liquid and safe, right? But we'd really like to also protect it against inflation and get some sort of growth from [&#8230;]]]></description>
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<p class="wp-block-paragraph">Picture it: you have 3 to 6 months of expenses saved for emergencies. </p>



<p class="wp-block-paragraph">It's your emergency fund. You'll only ever access it if there's an emergency, right?</p>



<p class="wp-block-paragraph">Wisdom dictates that your emergency funds stay liquid and safe, right? </p>



<p class="wp-block-paragraph">But we'd really like to also protect it against inflation and get some sort of growth from it too, right? </p>



<p class="wp-block-paragraph">So the question is, now that you've got 3 to 6 months of expenses saved in an emergency fund, where do you keep it? &#8216;Cause money has to live somewhere, right?</p>



<p class="wp-block-paragraph">The chart below shows two options. Option Red and Option Green. Their growth trajectories, if never interrupted by an emergency, are shown over a 30 year span.</p>



<p class="wp-block-paragraph">They are both safe and both guaranteed to grow.</p>



<p class="wp-block-paragraph">Which curve do you want?</p>



<p class="wp-block-paragraph"></p>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="847" height="632" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/10/which-curve2.png" alt="" class="wp-image-3780" srcset="https://dannynelson.com/wp-content/uploads/sites/10/2025/10/which-curve2.png 847w, https://dannynelson.com/wp-content/uploads/sites/10/2025/10/which-curve2-480x358.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 847px, 100vw" /></figure>
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		<title>What ideas do you have about paying off the mortgage?</title>
		<link>https://dannynelson.com/what-ideas-do-you-have-about-paying-off-the-mortgage/</link>
					<comments>https://dannynelson.com/what-ideas-do-you-have-about-paying-off-the-mortgage/#respond</comments>
		
		<dc:creator><![CDATA[Danny Nelson]]></dc:creator>
		<pubDate>Tue, 30 Sep 2025 12:14:51 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<guid isPermaLink="false">https://dannynelson.com/?p=3708</guid>

					<description><![CDATA[It's usually an objectively bad idea because you lose access to and control of your capital. Your capital turns into lazy capital when it's converted to home equity. But because many are allergic to debt of any kind, it can be subjectively good because how you feel about your financial situation matters. My preference is [&#8230;]]]></description>
										<content:encoded><![CDATA[
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="418" height="453" src="https://dannynelson.com/wp-content/uploads/sites/10/2025/09/image-1.png" alt="" class="wp-image-3710" srcset="https://dannynelson.com/wp-content/uploads/sites/10/2025/09/image-1.png 418w, https://dannynelson.com/wp-content/uploads/sites/10/2025/09/image-1-277x300.png 277w" sizes="(max-width: 418px) 100vw, 418px" /></figure>



<p class="wp-block-paragraph">It's usually an objectively bad idea because you lose access to and control of your capital. Your capital turns into lazy capital when it's converted to home equity.</p>



<p class="wp-block-paragraph">But because many are allergic to debt of any kind, it can be subjectively good because how you feel about your financial situation matters.</p>



<p class="wp-block-paragraph">My preference is to house the capital allocated to extra principal in a more efficient account where I retain control and access&#8230; which could be used to pay down mortgage principal later if needed.</p>
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