Good question. You can get richer quicker with debt than using your savings. I don’t know about you, but I can take some people months to come up with $100,000 cash. Why not take a day or so and fill out some applications and get access to $100,000? Plus, if you really had $100,000, why use it to buy a single family house cash when you can use that same money as a down payment to buy a $500,000 apartment building? Why not use other people’s money to make money while you use your hard-earned cash to have fun?