 when you're already doing so well and there's no need to because i wouldn't yell at you if you took out a mortgage but if you had a bunch of cash and you still avoided you know paying cash i'd go alright that's pretty dumb or if nothing else brother you're gonna put that uh... let's say you decided take out a two hundred thousand dollar mortgage you put half down you're gonna put that money in a high yield savings account of five percent but you're gonna be paying seven percent on the mortgage i i mean