For the average person it is a terrible idea.

I did it with 20k, 2020. Paid out in 2 years.

Then I did again with 50k, 2022. Paid off in January.

Then I did a new one in 2023. :)

It is what I wrote: if you own a company and understand how to play the debt game, you’re okay.

But, again, for the average people it is a terrible idea.