I started a thread yesterday reagrding this but I don't think I worded it quite right. So sorry for that. Simple question? Does a avg Joe like myself who is 33 married with 1 daughter (maybe 1 more in the future). Take the equity when we sell our house and throw it into investments and have a higher house payments but don't need to invest quite as much each month. OR take the equity and dump it all into the next house with a lower house payment and keep making the monthly investment payments? This question has my wife an I wondering. Our investment guy of course wants us to invest saying he can get 10-12% in the S&P 500 instead of the money being in our new house only making 5-7%. Any opinions.