Today at Starbucks, I overheard someone at the next table teaching financial management through multi-level marketing. The gist was to take out a loan of 1 million, and the MLM company would then lend you another 1 million based on that. Then, they suggested investing in US stock ETFs or some bonds, claiming that historically, it’s a guaranteed profit with no losses. They mentioned something like a 15% return every year. good luck … Thoughts: DCAing into the market isn’t wrong, but why is it that every time I hear about DCA or maxing out leverage, it’s always at the peak…