Next up is a question from Chris. He says, how do you feel about using 0% financing

for a major home repair, like HVAC,

even if you have the cash to pay it?

Knowing cash is paying 4 to 5%,

plus general added flexibility.

All right, here's where my initial thought goes, Brian.

I want you to encra, like, what are your feelings

on using chainsaws, right? My feeling on using a chainsaw is that it can be effective.

It can allow you to accomplish something you're trying to

accomplish but if you're not careful with it it can hurt you. It can hurt you really

bad and I don't think everybody should use chainsaws. There are some very

specific people out there that can be trusted with a chainsaw and can use a

chainsaw effectively and can make that a tool that allows them to accomplish whatever is they're trying to accomplish in a more efficient manner.

There are some people out there that can't use chainsaws either because they'll get carried away, they don't have attention to detail,

they'll get too aggressive, that you know they're not in a place right now

where they ought to be wielding a chainsaw, they should still be figuring out

how some smaller cutlery works.

I think that that's what you have to assess for yourself.

Where am I in my financial journey?

And based on my current financial track record and my current financial behavior,

am I someone who could consider doing this?

Because if done incorrectly, it can be bad.

...