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We are right after a housing bubble burst and going through a bad economy. I think the risk that his house will be worth less than it is today in 7 years is also remote. I will concede however that if someone is risk adverse then they probably shouldn't try to invest all of their extra money. The reason is if they get scared they would end up selling at the worst possible time. Maybe the best thing for him is to do some early loan pay down and some long-term investments.
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