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> loans are only at 3.5%, but you can earn 7% on the stock market

This isn't prudent asset-liability matching. If your loan is 3.5% and you can find investment-grade bonds that (a) yield more and (b) compensate you, in the spread, for your risk and hassle, then that might work.

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These comments are proof we've been in a bull market far too long

Agreed, and a completely federal reserve fueled one at that.

I remember how, with great fanfare, DOW 10,000 was ushered in. I was in 8th grade and it was 1998 or 1999, I remember how ten years later the DOW hit about 6,000.

We do not know how capitalism will respond to competent robotics and AI, and a population bust.

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