re: If you had $1 million what would you do with it?

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If the interest rate is low enough, it may be worthwhile if the money can be invested at a higher rate. Many fortunes have been made this way.

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Mathematically it makes sense. Unless of course you make some bad investments.

Personally I'd pay off my house which is the only debt I have at the moment. I'd probably keep about 50K on hand as short term savings cushion, and invest the rest in something I couldn't touch. Continue working and retire in about 20 years.