Should You Use Cash, Debt, or Investments for a Big Purchase?

Send us Fan Mail When Cash Feels Safer Than the Market: Funding Big Projects, Managing Risk, and Avoiding Tax Traps Hunter Kelly discusses a client case (names changed) involving Mark and Lauren, who earn just over $300,000, have nearly $1 million in retirement savings, and $100,000 cash while considering a $175,000–$180,000 pool project. They explored HELOC/pool loans but were uncomfortable with added debt, so they chose to delay until Mark’s July bonus and retention payment arrive, includi...