debts are not a bad thing , as long the debts are to generate income and able to serve the debts , dont understand why everyone so scared of debts..example you earning 10k , your self commitments 5k and you buy investment house for 4k monthly to generate income 3k monthly...is the debt high compare with your income ? yes but you have the asset and recurring 3k rental...so chill guys...be greedy when everyone scared and scared when everyone is greedy...now everyone scared of genting ,so its time to accumulate