Well. You said a lot about a lot. Investing is always difficult, especially when you have to part with your own cash.

As for your comments on Robert Kiyosaki, I reserve my comments, because I can see good things from his line of thoughts, predominantly on the side of personal finance that requires us to utilize debt to acquire cash-producing assets. But that is me. I am sure you have your educated, time-and-tested, evidence-based reasons for saying what you say.

So, I say, just do what makes your comfortable.