It doesn't matter. The number one method is to be an orthodontist who owns a house.

It also doesn't make internal sense. One part says "I took out a home equity line on our house." Another says "So we rented a comfortable (but inexpensive) house".

You'll also see that the komrade account is a shill which nearly always repeat the same ad for this web site - https://news.ycombinator.com/threads?id=komrade .

It works for me...