bambootstrap

It is legal but the interest on the loan is not tax-deductible, unlike other investment loans you might take out.

Yeah, there might be some slight gain to be made especially now with interest rates falling again. But my feeling is OP is young and probably would benefit more from building up an emergency fund if they’re feeling a bit cash poor.

It all depends on how cheap it is for you to borrow. My feeling is you’re unlikely to make more investing in bonds and “safe” ETFs than you’d pay in interest. In other words, you’d be paying more in interest than you’d be making in gains from your investment.

Coloured punch cards? I have no idea either.