I mean, if you're doing it blindly out of an emotional desire to actually have a piece of plot or a piece of property, that's so foolish.

I came up with my own rule.

So when the down payment is at least 10% of your total portfolio, you need to have in the initial, there are two stages.

One is wealth accumulation.

One is preservation stage.

We all undergo the cycle.

So that wealth accumulation stage, you have to have high growth assets, high growth, define it in your own way.

So this particular example is for the S&P ETF.