Anonymous
10/23/2025 09:36
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:You don’t need to take out a 2nd mortgage. Most apps will let you trade on margin. Worst case scenario you just delete the app and change your email address.
Anonymous
10/23/2025 09:28
Subject: Re:Taking out a second mortgage to buy stocks
Anonymous wrote:Not sure why everyone is saying this is crazy, but at the same time, the consensus on here seems to be that paying off one's mortgage is a very dumb thing to do.
Taking out a mortgage to buy stocks is exactly the same thing as not paying off a mortgage so you can free up money to invest in stocks. Obviously, the terms of the loans differ, and that is an important distinction. But people are still stuck on this "borrow at 3% to invest at 10%" mindset and seem to ignore the fact that stocks have never been more expensive (or *almost* never been more expensive, depending on whom you ask).
While you might get 10% in the market over the next decade, you could very realistically get 2% per year (or even -2%). Even if you get 4%, taxes bring that down to the same 3% you get by paying off your precious mortgage. I guess I'm an outlier, but paying off one's mortgage actually seems like a no-brainer to me right now.
Please reread the post title. This person is not taking out a mortgage to buy stocks. They are taking out a SECOND mortgage to buy stocks.
Anonymous
10/22/2025 22:43
Subject: Taking out a second mortgage to buy stocks
He sounds like one of those tulip frenzied buyers back in Amsterdam. A. movie about the tulip crash.
Anonymous
10/22/2025 22:06
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
This!
Anonymous
10/22/2025 22:05
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
Looks like the racist is almost as clues as the OP.
Anonymous
10/22/2025 18:06
Subject: Taking out a second mortgage to buy stocks
Crazytown
Anonymous
10/22/2025 17:48
Subject: Taking out a second mortgage to buy stocks
Mid life crisis?
He would probably waste less money buying a motorcycle or starting a band.
He would probably waste less money buying a motorcycle or starting a band.
Anonymous
10/22/2025 17:38
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:Anonymous wrote:Anonymous wrote:I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
“transitory” JP and “never crypto” JD, hardly infallible.
I’m sure the dude you shack up has the true skinny on things though.
Like I said, I love mediocre white men like you. You make a few bucks in the market and think you’re Steve Cohen. My net worth is 40+ million though not all due to just husband - he invests in a friend’s hedge fund that’s been on fire for years.
Your DH net worth, purportedly. If I had 40+M I would never be on DCUM again, I would be too busy living a better life.
Anonymous
10/22/2025 16:50
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:He needs a psychiatrist to diagnose and treat whatever is making him do crazy things. Is this the new equivalent of midlife crisis affair, motorcycle or red sports car?
Ha that was my first thought too! My partner suggested taking out a loan to buy crypto, and then backed immediately off when he saw my face. He later admitted it was a midlife, FOMO impulse, and recognized it was a dumb f'in idea.
Anonymous
10/22/2025 16:38
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:Anonymous wrote:I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
“transitory” JP and “never crypto” JD, hardly infallible.
I’m sure the dude you shack up has the true skinny on things though.
Like I said, I love mediocre white men like you. You make a few bucks in the market and think you’re Steve Cohen. My net worth is 40+ million though not all due to just husband - he invests in a friend’s hedge fund that’s been on fire for years.
Anonymous
10/22/2025 15:57
Subject: Taking out a second mortgage to buy stocks
I have 20M in Apple, Amazon, Nvidia, Alphabet, etc.
No. Your husband has a very bad idea.
It's a great idea to invest in the stock market! But a bad idea to chase AI stocks specifically. There is currently HUGE investment in AI, and no one knows whether it's actually a bubble that's about to pop, or long-term investment that will mature successfully. *You do not want to bet the house on this*.
But you can take a few thousand and buy stocks in companies that you have studied carefully and believe will be successful in the long-term. Do not day-trade. Do not check your stock more than once every month. You want to buy and hold something that has true value.
No. Your husband has a very bad idea.
It's a great idea to invest in the stock market! But a bad idea to chase AI stocks specifically. There is currently HUGE investment in AI, and no one knows whether it's actually a bubble that's about to pop, or long-term investment that will mature successfully. *You do not want to bet the house on this*.
But you can take a few thousand and buy stocks in companies that you have studied carefully and believe will be successful in the long-term. Do not day-trade. Do not check your stock more than once every month. You want to buy and hold something that has true value.
Anonymous
10/22/2025 15:49
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:Anonymous wrote:Anonymous wrote:If you could get a 2.5 interest rate it would make sense. At today’s rates of 8.5 your margins are way too tight for this make financial sense. Any slight negative fluctuation and you lose your equity.
That’s a terrible financial decision.
Rates are literally falling as we speak, they will be able to refinance that mortgage to a sub for in a very short time. Meanwhile, their stork stock portfolio will be up 20%.
Great point.
If interest rates go up, OP will be happy she has a big chunk of money to invest or to generate interest or dividend income. If interest rates go down, OP can simply refinance and snag the lower rates on the future.
We did this in 2020 and converted a 6.3% mortgage into a 2.3% mortgage. It’s called leverage, folks, and it’s how true riches are made.
It’s also how people lose their shirts. 2008 is calling.
Don’t ever gamble on your home. It’s not an investment, it’s your place to live. If rates go down, then you refinance and put the savings into the market.
Anonymous
10/22/2025 15:46
Subject: Re:Taking out a second mortgage to buy stocks
Are you on the first mortgage and the deed? If so, you simply do not sign the paperwork and you communicate to the loan officer that you do not consent to this mortgage and if he/she sees your “signature” on an application, it is fraud.
I know some of the people pleasers will encourage you to just go along and trust in your spouse, but it really is that easy to just say no.
I know some of the people pleasers will encourage you to just go along and trust in your spouse, but it really is that easy to just say no.
Anonymous
10/22/2025 14:11
Subject: Taking out a second mortgage to buy stocks
Anonymous wrote:I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
“transitory” JP and “never crypto” JD, hardly infallible.
I’m sure the dude you shack up has the true skinny on things though.
Anonymous
10/22/2025 13:56
Subject: Taking out a second mortgage to buy stocks
I love mediocre white men. Your husband thinks he knows better than people who do this for a living. Not one professional would advise doing this.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.
People saying the market is overvalued and due for a correction: Jerome Powell, Mark Spitznage, Jamie Dimon, Ray Dalio, and numerous others including my husband, a hedge fund manager. It may not be this year, but it’s coming and your amateur husband isn’t going to be able to time it.