Avoid borrowing to invest: Use spare money to invest, and avoid falling into financial difficulties
Do not let borrowing become a way of investing, because once you rely on borrowing, your mind may be filled with a mentality of seeking quick gains. Being eager to make money often leads to imbalances in operations and irrational decisions.
When you invest with borrowed funds, your mindset is often unstable. Even if you buy at a low point, originally planning to hold, as soon as you hear someone around you making a fortune, you cannot help but want to chase the upswing and even sell early. As a result, you may only make a small profit but miss out on bigger opportunities, or even suffer losses due to frequent trading.
The "benefit" of borrowing is that it avoids large losses because you do not dare to take on greater risks, but small losses become the norm. Over time, the final result is a continuous shrinkage of funds rather than accumulation and appreciation.
Therefore, investments should only use spare money to avoid the pressure and irrational actions brought by borrowing, maintain calm, and make more rational investment decisions.