Paul Smith Wealth & Property Educator on Instagram: "Debt isn’t “good” or “bad” - it’s a tool. But the messaging is always moral when it’s you. If a bank uses leverage, it’s “efficient capital.” If you use leverage to buy an asset, suddenly it’s “reckless.” The real question is: what’s the debt attached to… and what does it produce? Consumer debt buys lifestyle. Asset debt can buy cashflow. Different game. Different rules. I love sharing ideas on how to grow your money! 🏡 Just a quick reminder