At first glance you would think $12M in debt is bad… But there are two types of debt… There’s smart debt (assets like real estate & Airbnbs)… And there’s consumer debt (liabilities like cars & phones). My with & I use smart debt to buy Airbnbs, because with just 15-20% down, we can own an asset that generates us monthly cash flow and reduces our taxes. And our guests pay off our mortgage, we also own more of the asset (equity), which grows our wealth. Here’s how my wife & I set-up winning Airbnb